Loan Programs & Services

No credit, no income, no upfront problem!

Stated Income

No Documentation Commercial Mortgages

The stated income program or "No Doc" loan is an asset based loan for; low credit borrowers, no income borrowers, self employed borrowers and borrowers with tax liens and judgments. Minimal documents are required. No tax returns.


Hard Money

Short Term Property Loans

Hard money real estate loans are short term loans (one year max) perfect for property flippers and contractors. No appraisals and no credit required. This asset backed loan closes quickly and even faster for repeat borrowers.


Merchant Advance

Unsecured Business Loan in 48 Hours

Companies in business for at least 6 months with monthly sales over $10,000 are eligible for a merchant cash advance. Advances are repaid with a daily debit from the business' credit card proceeds or the business bank account at a set amount.


Full Documentation

Best Rates For Qualified Borrowers

Traditional commercial mortgage loans are offered to borrowers capable of providing 2 years of stable financials and good credit. Property types include; apartment buildings, mixed-use, office, retail, warehouse, industrial, self storage and more.


Bridge Loan

Short Term Commercial Mortgages

Bridging the gap between short term/hard money loans and permanent financing is achieved with a bridge loan. The typical loan scenario is a business that purchases a new building (possibly requiring rehab) while still owning their current building.


Business Loans

Secured & Unsecured Business Loans

Working capital loan programs for companies include; short term unsecured advances, long term business loans (secured or unsecured), unsecured business lines of credit, equipment financing, accounts receivable loans and purchase order loans.



Flexible Mortgage Underwriting Guidelines

Commerce Funding's unique underwriting process affords business owners and investors several loan programs to meet the borrower's individual goals. We do not have a set price sheet for our programs. Each loan is tailored to the investor. Some features of our loan programs include:

-$30k Minimum
-No FICO Minimum
-Terms From 1-30 Years
-30 Year Fixed Commercial Loans Available
-Interest Only Loans Available
-No Upfront Fees (unless an appraisal is required)
-Closings In 1-4 Weeks


Eligible Property Types:

-Apartment Building
-Retail Space/Building
-Office Space/Building
-Funeral Homes
-Day Care Center
-Light Industrial
-Auto Body Shops
-Auto Repair Shops
-Car Washes
-Mobile Home Parks