FAQs
Frequently Asked Questions
At Advantage Commercial Capital, transparency is part of our promise. Below are answers to the most common questions borrowers ask us, from how the process works to what documents you’ll need. Still have a questions? Contact us.
General Loan
What types of commercial properties do you finance?
We work with multifamily, office, retail, industrial, mixed-use, hospitality, and special-use properties nationwide.
What is the minimum and maximum loan size you offer?
We typically work on loan amounts between $500,000 and $25 million, with exceptions for larger portfolios or unique projects.
How long does it take to close a loan?
Closing timelines vary based on loan type, lender, and document readiness — but bridge loans can close in 1–2 weeks, and SBA or permanent financing may take 30–45 days.
What types of commercial properties do you finance?
We work with multifamily, office, retail, industrial, mixed-use, hospitality, and special-use properties nationwide.
What is the minimum and maximum loan size you offer?
We typically work on loan amounts between $500,000 and $25 million, with exceptions for larger portfolios or unique projects.
How long does it take to close a loan?
Closing timelines vary based on loan type, lender, and document readiness — but bridge loans can close in 1–2 weeks, and SBA or permanent financing may take 30–45 days.
What types of commercial properties do you finance?
We work with multifamily, office, retail, industrial, mixed-use, hospitality, and special-use properties nationwide.
What is the minimum and maximum loan size you offer?
We typically work on loan amounts between $500,000 and $25 million, with exceptions for larger portfolios or unique projects.
How long does it take to close a loan?
Closing timelines vary based on loan type, lender, and document readiness — but bridge loans can close in 1–2 weeks, and SBA or permanent financing may take 30–45 days.
Application & Documentation
What documents do I need to submit a loan request?
At minimum, we’ll ask for a rent roll, trailing 12-month operating statement, property photos, and borrower resume. For construction or SBA loans, we may need budgets, business plans, or projections.
Will my credit be pulled?
Not initially. We’ll review your request first and only pull credit if a lender or program requires it and you give permission.
Do you require personal guarantees?
Some loan programs (like SBA) require full recourse, while others (like some bridge or agency loans) may be non-recourse. We help structure around your preferences.
What documents do I need to submit a loan request?
At minimum, we’ll ask for a rent roll, trailing 12-month operating statement, property photos, and borrower resume. For construction or SBA loans, we may need budgets, business plans, or projections.
Will my credit be pulled?
Not initially. We’ll review your request first and only pull credit if a lender or program requires it and you give permission.
Do you require personal guarantees?
Some loan programs (like SBA) require full recourse, while others (like some bridge or agency loans) may be non-recourse. We help structure around your preferences.
What documents do I need to submit a loan request?
At minimum, we’ll ask for a rent roll, trailing 12-month operating statement, property photos, and borrower resume. For construction or SBA loans, we may need budgets, business plans, or projections.
Will my credit be pulled?
Not initially. We’ll review your request first and only pull credit if a lender or program requires it and you give permission.
Do you require personal guarantees?
Some loan programs (like SBA) require full recourse, while others (like some bridge or agency loans) may be non-recourse. We help structure around your preferences.
Broker & Fee
Do you charge upfront fees?
No. We only charge a success-based fee at closing, disclosed transparently up front.
Can I work with you if I’ve already talked to banks?
Absolutely. We’re happy to compare terms and provide options your current lender may not offer.
Do you charge upfront fees?
No. We only charge a success-based fee at closing, disclosed transparently up front.
Can I work with you if I’ve already talked to banks?
Absolutely. We’re happy to compare terms and provide options your current lender may not offer.
Do you charge upfront fees?
No. We only charge a success-based fee at closing, disclosed transparently up front.
Can I work with you if I’ve already talked to banks?
Absolutely. We’re happy to compare terms and provide options your current lender may not offer.
Loan Program
What’s the difference between SBA 7(a) and 504 loans?
SBA 7(a) loans are more flexible and typically used for business acquisition or working capital, while 504 loans are best for owner-occupied real estate and equipment purchases. We’ll guide you to the right one.
What’s a bridge loan and when would I use one?
Bridge loans are short-term loans designed for fast closings or transitional properties (unstabilized income, value-add, etc.). Perfect when timing is critical or bank financing isn’t yet available.
What’s the difference between SBA 7(a) and 504 loans?
SBA 7(a) loans are more flexible and typically used for business acquisition or working capital, while 504 loans are best for owner-occupied real estate and equipment purchases. We’ll guide you to the right one.
What’s a bridge loan and when would I use one?
Bridge loans are short-term loans designed for fast closings or transitional properties (unstabilized income, value-add, etc.). Perfect when timing is critical or bank financing isn’t yet available.
What’s the difference between SBA 7(a) and 504 loans?
SBA 7(a) loans are more flexible and typically used for business acquisition or working capital, while 504 loans are best for owner-occupied real estate and equipment purchases. We’ll guide you to the right one.
What’s a bridge loan and when would I use one?
Bridge loans are short-term loans designed for fast closings or transitional properties (unstabilized income, value-add, etc.). Perfect when timing is critical or bank financing isn’t yet available.
Ready to get started?
Submit a loan request today!
Have questions? Contact us
Ready to get started?
Submit a loan request today!
Have questions? Contact us
Ready to get started?
Submit a loan request today!
Have questions? Contact us