Can you provide funding for clients who are not U.S. citizens?

No, clients must be permanent residents/U.S. citizens currently residing in the United States.

Do I need a down payment or need to pledge collateral?

No, most options we offer do not require a down payment or any collateral. If the funding is being used to purchase an asset, such as equipment or commercial real estate, that will allow you to qualify with lower credit scores.

Does my business need to be generating revenue before I can receive funding?

No, if you have good credit, 700+ credit scores, then we can most likely help with funding. Having good credit with verifiable income outside of your business will always help as well.

Will the review be a hard pull on credit?

NO HARD inquiries on any reviews, we can give you an offer without a hard inquiry.

Does my co-signer need to be a business partner?

No, can be a family member or friend who is willing to help.

Can I still get financing if I just quit my job?

Yes, if you have good credit or a co-signer we have options!

Do we charge any upfront fees or application fees?

No, Finance Factory does not charge any upfront fees. We only get paid if you successfully receive funding.

Are there any industry restrictions?

No, we work with all industries providing your credit score or partners/co-signers are 700 or better.

How quickly can I get funding?

We can provide credit decisions within 24 hours or less and funding can take place in as few as 3 days.

What are the interest rates?

We offer funding programs with rates as low as 0%. Your specific rates depend on the strength of your credit profile, funding amount, term, and other qualifying factors.

Real Estate Funding

Easy Small Business Funding

Home » Funding Programs » Real Estate Funding

What Real Estate Funding is

See How We Can Help You Grow. In any financial market, you need a partner who is willing to take the time to listen and understand your business.

Someone with experience and integrity to provide your company with the right advice and guidance. A partner who puts your interest before theirs, and never collects a fee or commission until your transaction closes.

Finance Factory assists small business owner who are seeking financing to grow, expand or improve cash flow. With a demonstrated track record of success, we help borrowers every day from all backgrounds and credit challenges.

When you work with us, you work directly with a Commercial Lending Advisor who is well versed in each lending avenue available to your small business.

Loan Amounts: Perfect for borrowers looking for loan amounts from $100,000 to $5,000,000
Loan Terms: 12 months to 30 years
Timeframe: 30-45 Days from approval
Interest Rates: 5% - 12%

Start The Conversation

Small Balance Commercial

Multiple uses: debt refinance, working capital business acquisitions & purchase of real estate
In house underwriting, approval and funding
Rates starting at 5.5%
Quick approval process
Loan amounts from $30,000 – $5,000,000
Stated, Low-Doc and Lite Doc programs
All credit types considered

Conventional Loan Programs

For investment or owner occupied commercial real estate properties
LTV’s up to 80%
Long term fixed options available
Quick approval process
Suited for highly qualified borrowers
Bank-like rates

Bridge Lending

Short term financing
Interest only or fully amortizing
Closing in as quick as 7 days
Available for investment property fix and flips
LTVs up to 70%

Multiple uses: debt refinance, working capital business acquisitions and purchase of real estate
In house underwriting, approval and funding

QuickApproval Process

Stated, Low-Doc and Lite Doc programs
For investment or owner occupied commercial real estate properties
All credit types considered
Long term fixed options available