Stated Income Commercial Real Estate

All the Benefits of Traditional Loans Without the Hassle

Small business loans are never one-size-fits-all. After all, your company has a personal history and is moving forward in a unique direction. When it comes to financing the property your business requires, taking out a stated income commercial real estate loan from SwellFi could be a smart and efficient solution.

What Is a Stated Income Commercial Real Estate Loan?

Whereas traditional loans are generally granted based on your credit profile, stated income loans emphasize the value of the property you intend to purchase. This cuts down on the amount of time and paperwork it takes to get the funds you need into your hands. As long as the real estate you are interested in is worth at least as much as its mortgage and other expenses, this type of financing may be a good fit.

How Do You Qualify?

At SwellFi, we strive to make our financing solutions accessible and versatile. We ask that loan recipients have a credit score of 600 or greater, as well as self-employment or W-2 documentation.

Once these conditions are met, you are free to put the funds towards businesses of all kinds:

  • Apartment buildings
  • Eateries
  • Storage facilities
  • Retail shops
  • Office spaces

Whether you need to refinance a previous loan or close a deal on a new property, we have you covered.

What Are the Advantages?

In addition to their simplicity and efficiency, state income commercial real estate loans have a number of other benefits:

  • Up to 75% LTV for larger multifamily dwellings
  • Up to 70% LTV for sites not occupied by the owner
  • Up to 65% LTV for retailers, mechanics, office space owners, and more
  • Competitive fixed interest rates
  • Loans of up to $500,000
  • 25-Year terms
  • Amortization

Get Started Today

Are you ready to take advantage of all that stated income loans have to offer? Reach out to SwellFi today to open your application.

Apply Now