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    Commercial cash-out refinance

    Turn equity in property you already own into cash for your business, another purchase, or paying off expensive debt like merchant cash advances. Works on owner-occupied buildings, investment property, portfolios, and free-and-clear property.

    Speak with us: (347) 824-5851

    Program terms
    Best forTurning equity into capital for expansion, equipment, purchases or paying off expensive debt
    PathsBank or credit union, SBA, DSCR, bridge
    Recent quotesAbout 6.7% (credit union) to 12% (bridge), depending on path
    LeverageTypically 60–75% of value
    Time to closeAbout 3–8 weeks
    Works forOwner-occupied buildings, investment property, free-and-clear property, multi-LLC portfolios

    Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.

    Good fit: meaningful equity; free-and-clear property; multiple properties held in different LLCs; stacked short-term business debt you want to replace.
    Not a fit: little or no equity; primary residence (see Business-purpose HELOC).

    Common questions

    • My properties are in several LLCs. Can they be refinanced together? Yes, as a portfolio loan, depending on property types.
    • Can this pay off my MCAs? Yes. Replacing daily-payment advances with a real estate loan often cuts payments dramatically.

    How it works

    1. Tell us what you need and what you have. No documents, no credit pull.
    2. We review the realistic options and walk you through each.
    3. You choose a path; we send one document list and secure a term sheet.
    4. We manage underwriting and closing alongside you.

    Recent transactions

    Multifamily refinanceClosed

    Refinancing a 16-unit Florida building at 6.71% with no covenants

    Loan amount
    $1,330,000
    Property
    Multifamily, 16 units
    Location
    Florida
    Cash-out refinanceClosed

    6.59% fixed on a rural 12-unit after local banks said no

    Loan amount
    $1,050,000
    Property
    Multifamily, 12 units
    Location
    Texas

    Special situations

    Existing MCA debtHow stacked MCAs affect approval, why lenders worry, and how to build the payoff into a longer-term loan.How it gets solvedAppraisal came in lowWhy lenders size loans off appraisals and cost basis instead of your number, how often it happens, and what to do about it.How it gets solvedIRS or tax lienHow tax liens affect a new loan and how to pay off or subordinate them at closing.How it gets solvedRural propertyWhy rural property gets declined or lower leverage, and the lenders and programs built for it.How it gets solved

    Related programs

    Owner-Occupied Commercial LoansLoans for business owners buying or refinancing the building their business operates in: warehouses, shops, plants, offices, mixed-use.View programBusiness-Purpose HELOCUse equity in a home or investment property to fund your business, as a line of credit or lump sum, for business purposes only.View programBridge LoansShort-term loans (usually 12–36 months) that get you to the next step: a purchase that has to close fast, a property that isn't stabilized yet, or a refinance while you wait for permanent financing.View programSecond-Position and Subordinate LoansBorrow against your equity without touching a first mortgage you want to keep, usually because it has a low rate or a big prepayment penalty.View program
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