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  Phone : 888.520.8988
Stated Income & Asset
Simple 3 step application process
Follow these 3 steps
  STEP ONE ::    Complete Online Mortgage Application
  STEP TWO ::    Credit Information Acknowledgement
  STEP THREE :: Fill out a loan supplement form.                        
* Requires Adobe Acrobat 6.1 click here do download

We realize the complexities of owning and running a small commercial property. Therefore, we have devised a streamlined method to provide you financing on a "Stated Income - Stated Asset" underwriting criteria. Our loans are approved without the need for extensive paperwork such as tax returns or bank statements. In most all cases we can approve a loan within 48 hours from receipt of a competed application.


  • Commercial Funding's Mortgage Application (or 1003)
  • Commercial Funding's Loan Supplemental Form
  • Purchase and Sale Agreement (for purchases)
  • A Tri-Merge Credit Report Copy
  • Income & Expense (operating history) for prior 24 months
  • Current Rent Roll (Multifamily) or Lease Summary (Commercial)
  • As many Photos as possible including front, and/or side, rear, parking and street scenes (electronic photos are preferred)

Stated income and stated assets allows self-employed borrowers who cannot verify all of their income to qualify for financing. One of the things that differentiate Commercial Funding from the more conforming commercial lenders is that we do not verify the borrower’s personal income. We require a completed Mortgage Application with the borrower income and assets stated for pre-approval. The only income verification we require is on the subject property.

We lend on the following property types:

  • Multi-Family
  • Mixed Use/Storefront Apartments
  • Retail/Unanchored shopping Malls
  • Office
  • Warehouse
  • Industrial
  • Automotive
  • Hospitality
  • Assisted Living
  • Special Purpose Properties: Camp Grounds, Laundry Mats, Funeral Homes, Marinas, Outdoor Entertainment Centers, Bars, Restaurants, Movie Theaters, Trailer/Mobile Home Parks

Here are some of the other features of our product:

  • Lending in the Name of Corporations, Trusts or LLC
  • Seller Seconds to 90% CLTV
  • Gifts of Equity
  • No Employment Seasoning
  • Unlimited Cash Out Refinance


  Recent Deals
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.