Fix & Flip / Bridge Loans
Short-term financing for acquiring and improving a property before a defined sale or other exit.
Room to grow
Build the next chapter of your business.
As your company continues to grow, increasing your workspace through a commercial mortgage becomes increasingly important. More information about our commercial loan offerings can be found by contacting us via email or by telephone at 214-817-0636. Our qualified professionals are ready to answer any and all of your commercial loan questions as well as help you begin the application process.
seth@ironoaklending.comKeep Control of Ownership
Benefit from Property Appreciation
Improve Cash Flow
Reduce Business Taxes
How it works
How Do Commercial Loans Work?
Commercial financing uses business property or other business assets as part of the collateral and is generally arranged through a business entity. The review considers the property, operating plan, cash flow, liquidity, and the borrower’s goals.
A complex process involving many factors plays into determining creditworthiness for a business. At Iron Oak Lending it’s our privilege to guide you through this process. Two of the most important aspects of commercial financing to keep in mind are the interest rate and the loan repayment schedule.
Interest Rate
Commercial terms may be fixed or variable. The right structure depends on the project, the borrower’s goals, and the lender’s view of the risk.
Loan Repayment Schedule
Commercial loans may include a defined term, amortization schedule, or balloon payment. The repayment structure should align with the business plan and expected exit.
Please speak with one of our representatives today to explore the opportunity to grow your business. We’ll guide you through the process and customize a commercial financing solution for your company.
Ways to finance
Commercial Loan Types We Offer
Short-Term Financing
Capital for near-term business needs, opportunities, or operating gaps.
Medium-Term Financing
Financing with more time to repay for planned business investments.
SBA Loan
Small Business Administration-backed financing for eligible business purposes.
Equipment Financing
Funding to acquire equipment while the equipment supports the loan.
Invoice Financing
Access to cash tied up in outstanding customer invoices.
Asset-Based Lending
Financing secured by business assets such as inventory or receivables.
Unsecured Working Capital
Working capital financing that does not require specific collateral.
Line of Credit
Flexible access to funds as business needs arise.
Commercial Real Estate
Financing for acquiring, repositioning, or improving business property.
Make the move
Is a Commercial Loan Right for Me?
If you’re considering any of the following as a means to grow your business, then a commercial mortgage might be right for you:
- Acquisition of a building or space in which to do business
- Extending current work space
- Investing in commercial properties
- Developing properties for commercial use
Every borrower’s situation is a little different, so be sure to email or call one of our commercial loan specialists today. We look forward to offering you a personalized commercial mortgage solution tailored to fit your company’s needs.
Before you apply
Qualifications for a Commercial Loan
Qualification for a commercial loan depends largely on the type of property or business purpose being considered. As a business owner, it is important to show that the company has an appropriate debt-to-cash ratio.
A company with a poor credit rating may still receive commercial financing if the primary owner can show good personal credit and sufficient liquid assets. The company may also need to show a stable pattern of profitability and plans for future growth, including a business plan, earning projections, and long-term goals.
For a more detailed and personalized assessment of commercial loan qualifications, please email or call 214-817-0636 today and speak with one of our commercial loan specialists.
Commercial lending guidance