We offer several types of commercial loans, including:
• Commercial Real Estate Loans – For purchasing, renovating, or refinancing business
property.
• Business Lines of Credit – Flexible financing for everyday expenses.
• Equipment Loans – For purchasing new or used business equipment.
• SBA Loans – Small Business Administration-backed loans with favorable terms.
• Working Capital Loans – Short-term funding to cover operational costs.

Eligibility varies by loan type, but general qualifications include:
• A solid credit history and business credit score
• A minimum length of business operation (typically 1-2 years)
• Demonstrable cash flow and financial stability
• Collateral, depending on the loan type and size
• Personal and business financial documentation

Documentation requirements vary by loan but generally include:
• Personal and business tax returns
• Profit and loss statements
• Balance sheets
• Business plan or loan proposal
• Bank statements
• Legal documentation (such as articles of incorporation)

Loan approval timelines depend on the type of loan, the amount requested, and the complexity of
your application. Some loans can be approved in as little as 48 hours, while others, like SBA
loans, may take several weeks due to additional underwriting.

Interest rates for commercial loans vary based on loan type, term, market conditions, and your
creditworthiness. Rates are typically competitive and can be fixed or variable. We recommend
speaking with a loan officer to get a personalized rate quote.

Yes, some loan products are available for businesses with lower credit scores, though these may
have higher interest rates. We encourage you to speak with one of our loan specialists to explore
options tailored to your needs.

Yes, there may be various fees associated with commercial loans, including application fees,
origination fees, and closing costs. Some loans also have prepayment penalties. Our team will
provide a detailed breakdown of all potential fees upfront.

The loan amount depends on the specific type of loan, your business’s credit profile, cash flow,
and collateral. Our loan amounts generally range from $500,000.00 to several million dollars.
We recommend discussing your needs with our loan specialists to determine the best option.

Repayment terms vary based on the type of loan and your financial situation. Some loans, like
lines of credit, may have shorter repayment terms (6-12 months), while others, like real estate
loans, may extend up to 20 years.

Yes, we offer a variety of SBA-backed loans, including SBA 7(a) and SBA 504 loans. These
loans offer favorable terms and lower down payments, especially for small businesses, but they
also have additional qualification criteria.

Yes, some commercial loans can be used to consolidate business debts, helping you streamline
payments and potentially reduce interest costs. Our team can help you assess whether debt
consolidation is right for your business.

Our experienced loan officers are here to answer any questions and help you find the right
financing solution. Contact us via phone at 877-293-7933 or email us at
helpcenter@directcommercialfunding.com.