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Application Process

Commercial Funding strives to make the origination process more efficient and easier to understand. Currently, it is often an arduous process to obtain a commercial loan regardless of the size of the loan. It is even harder to obtain a small commercial loan since most lending institutions would rather work on larger loans then smaller ones, and accordingly place requests for smaller loans at the back of the line. The majority of our competitors mandate obtaining 2 years of tax returns and other sensitive documentation from the borrower in order to give just an indication that they will be interested in financing the proposed subject property. Our approach is less complicated. We rely on limited information in a Mortgage Application and a credit report to provide an initial indication. While most financial institutions take 3 weeks to offer a letter of interest, in many instances we can provide a letter of interest within 48 hours.

Our process works as follows:

  1. We obtain basic information on the prospective borrower and the property through our Request a Quote webpage.
  2. We will contact the prospective borrower promptly to review the contemplated transaction and to provide an initial indication of available financing.
  3. We conduct a qualification interview with the prospective borrower on the phone and complete a Mortgage Application. This interview typically takes about 45 minutes to an hour.
  4. We check the prospective borrower's credit to verify their credit history.
  5. We will then provide the prospective borrower with an initial indication together with a check list of items that will be required.
If the borrower is represented by a broker we require that we do the initial application directly with the borrower. This includes gathering information in the Mortgage Application, a credit report and operating history on the subject property. Most brokers have no problem in passing this work to us. If the transaction is not realistic both you and we want to know immediately.
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Notice, nothing on this webpage should be construed as an offer by Commercial Funding to make a loan or to make a loan on any particular terms. Commercial Funding will only consider business and commercial loan applicants and all applicants must submit a written application and qualify under all applicable underwriting guidelines and requirements. * Rates will vary based on actual loan size, credit characteristics, property type and location and other factors. Commercial Funding does not operate in all states and will not make a loan or assist you with a loan unless it is appropriately licensed in the applicable jurisdiction. Copyright Notice: Copyright © 2005 Commercial Funding, LLC, San Francisco , California 94123 U.S.A. All Rights Reserved. Commercialfunding.com and the Commercial Funding logo are service marks of Commercial Funding, LLC. Logos, Images and all other content on this website may not be used without the prior express written consent of Commercial Funding, LLC.