The Loan Process

The loan underwriting procedure is very straightforward at Commerce Funding LLC.
Please Read through each step of the process to learn more about what to expect as a loan applicant.


1. Submit An Inquiry and speak with an Account Executive.

2. Loan Submission. For real estate loans; a simple application, credit authorization, property expenses and a rent roll. For unsecured business loans; a 1 page application, 4 months of bank statements and 4 months of merchant processing statements (if applicable).

3. Conditional Approval in 24-48 Hours. Rates and fees are provided with any stipulations.

4. After stipulations are met; Final Processing and Closing occurs.


Unsecured business loans are normally funded in 3 days, hard money loans in 5 days and other mortgage programs in 3 weeks.


Apply For A Loan