Financing the Next Chapter of Your Business — With Someone Who Gets It.
All property types · SBA & conventional · $500K to $10M+
Whether you are buying your first commercial property, refinancing to free up cash, or building from the ground up — the right commercial loan is the foundation everything else gets built on. Rudy helps you find it.
✓ All Property Types✓ SBA 7(a) & 504✓ DSCR Commercial✓ Bridge & Construction
At a Glance
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Down Payment
10% (SBA) – 35% (conv.)
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Min. Credit Score
650+ (SBA) / 680+ (conv.)
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Loan Amounts
$500K – $10M+
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Min. DSCR
1.20x–1.25x
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Loan Terms
5–25 year terms
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Avg. Close Time
45–90 days
Rudy's Perspective
Building Something Real Takes Real Financing
I got into this business because of real estate. I bought my first investment property at 21 and learned the language of financing by living it. Over the years I have worked with business owners, investors, and entrepreneurs using property to build something that lasts.
Commercial real estate financing is not one-size-fits-all. It is complex, moves on deal-specific timelines, and rewards people who have the right advisor. When a business owner comes to me about a commercial property, I think about their business, their goals, and what this property means for their next ten years.
If the deal is not quite ready yet, I will tell you honestly what it will take to get it there. That is how I do business.
Your Programs
Types of Commercial Loans
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Conventional Commercial
$500K–$10M+. 20–35% down. 5–15 year terms with 20–25 year amortization. 680+ credit. Office, retail, industrial, multifamily 5+, mixed-use, self-storage.
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SBA 7(a)
Up to $5M. As low as 10% down for owner-occupied. Up to 25 years. Best for small business owners buying the building they operate from. SBA guarantees a portion so lenders offer better terms.
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SBA 504
Two-loan structure: 50% conventional + 40% SBA CDC + 10% down. Fixed rate on SBA portion. Long-term, stable financing for established businesses. Job creation required.
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DSCR Commercial
Qualifies on property NOI vs. debt service — no personal income docs. $500K–$5M+. 25–35% down. 1.20x+ DSCR. Ideal for investors, self-employed, and portfolio landlords.
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Commercial Bridge
6 months – 3 years. 60–75% LTV. 8–12%+. Closes in 2–4 weeks. For stabilizing vacant property, auction buys, or time-sensitive acquisitions requiring permanent financing later.
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Construction Loans
12–24 months. Draws released as milestones complete. 65–75% of completed value. Full plans, permits, and contractor bids required. Ground-up or major renovation.
SBA Deep Dive
SBA 7(a) vs. SBA 504 — Which Is Right for You?
Feature
SBA 7(a)
SBA 504
Max Loan Amount
$5M
$5.5M (SBA portion)
Min. Down Payment
10% (owner-occupied real estate)
10%
Loan Term
Up to 25 years (real estate)
10–25 years (SBA portion fixed)
Rate Type
Variable or fixed
Fixed rate on SBA portion
Use of Funds
Real estate, equipment, working capital
Real estate and major equipment only
Job Creation
Not required
Required (1 job per $90K SBA)
Best For
Maximum flexibility, lower down payment
Long-term fixed rate, established businesses
💡 Many business owners assume they do not qualify for SBA programs. The SBA was designed specifically for small businesses. Rudy will run your numbers and tell you honestly if you are eligible.
How Underwriting Works
What Commercial Lenders Actually Evaluate
1
NOI (Net Operating Income)
Gross income minus vacancy and operating expenses, before debt service. The foundation of every commercial deal — higher NOI supports more debt at better terms.
2
DSCR (Debt Service Coverage Ratio)
NOI divided by annual debt service. Below 1.00x is usually a denial. 1.20–1.24x is the minimum for most programs. 1.35x+ unlocks the best terms.
3
LTV and Equity
Lower LTV means more equity and better pricing. 65% LTV is optimal; 65–75% is standard; 75–80% available through SBA and agency. Above 80% is very limited.
4
Borrower Profile
680+ credit (700+ for best terms), global cash flow, net worth, 6–12 months PITI in liquidity reserves, and commercial experience all matter.
5
Property & Market
Commercial appraisal, Phase I environmental, property condition report, rent roll and lease analysis, and local market vacancy. Rudy helps you review your deal through a lender's lens before submitting.
What to Expect
The Commercial Loan Process with Rudy
1
Deal Analysis — Week 1
Property, goals, financial profile, deal structure. Rudy determines which programs you qualify for and what needs to be addressed before submission.
2
Lender Matching & Term Sheet — Weeks 1 to 3
Rudy submits a strong package (executive summary, rent roll, operating statements, purchase contract, financials) to the right lenders and negotiates terms on your behalf.
3
Due Diligence — Weeks 3 to 8
Appraisal, Phase I environmental, property condition report if required, title, lease review, survey. Rudy stays in contact with lender and vendors throughout.
4
Underwriting & Commitment — Weeks 6 to 10
Rudy reviews the commitment letter with you line by line — rate, prepayment, balloon, recourse, reserves. No surprises at the closing table.
5
Closing — Weeks 10 to 14
Total timeline typically 45–90 days. Conventional 45–60 days; SBA 60–90+ days; bridge 2–3 weeks. Rudy gives you a realistic timeline early so you can plan accordingly.
Quick Answers
Commercial Loan FAQ
Conventional: 20–30%. SBA 7(a) and 504: as low as 10% for owner-occupied. DSCR commercial: 25–35%. Bridge varies by LTV. Rudy will find the program that gets you to the table with the least capital while meeting your goals.
Yes. DSCR commercial qualifies on the property's income — not your personal tax returns. SBA requires business and personal financials but is designed for self-employed business owners. Rudy works with self-employed commercial borrowers regularly.
Conventional: 680+. SBA: 650–680 minimum. DSCR commercial: some programs at 620–650 if property cash flow is strong. Rudy will be honest about where you stand on the first call.
Most commercial loans have a balloon — e.g. a 5-year term with 25-year amortization means the remaining balance is due at year 5. You refinance or sell. Rudy makes sure you understand your balloon and have a clear strategy before you close.
45–90 days typical. Conventional straightforward deals: 45–60 days. SBA: 60–90+ days. Bridge: 2–3 weeks. Rudy gives you a realistic timeline early and manages the process to keep things moving.
Call Rudy. Before you make an offer or talk to a bank, he wants to look at the numbers with you, assess your borrowing capacity, and tell you whether the deal makes sense and how to finance it. Having your financing strategy shaped before you offer makes you more competitive.
Let's Talk About Your Deal.
Commercial real estate has the potential to build real, lasting wealth. Rudy listens first, assesses honestly, and finds the best path forward. If there is a way, he will find it.