We finance acquisitions, refinances and repositionings of income-producing property. Our commercial loans cover up to 90% of the purchase price and 100% of improvement costs, up to 75% of value, and are asset-based, with no tax returns or income verification. We underwrite the building, the income and your plan for it.
Free quote · no credit pull required · fund in as few as 5 days.
A commercial real estate loan finances property that earns income: apartment buildings, shopping centers, offices, warehouses and the mixed-use buildings in between. Banks can take months to approve one. We lend against the asset itself, looking at the price, the in-place and projected income, the condition of the building and what it should be worth once your plan is done. We don’t ask for tax returns or income verification, so the property and your business plan carry the file.
Improvement funds are held back and released in staged draws as work is completed, and you pay interest only while you execute.
See What My Property Qualifies For →Condition, location, value
We start with what the building is, where it sits and what comparable properties are worth.
In-place and projected
Rent rolls, leases and operating numbers tell us what the property earns now and what it can earn after your plan.
Where this loan ends
A sale, a refinance into long-term financing, or a stabilized hold. We want to know your way out as much as your way in.
You buy a mixed-use building for $1,500,000, budget $150,000 for improvements, and the stabilized property should be worth $2,200,000 with $165,000 in annual net operating income (NOI):
| Purchase funded (90%) | $1,350,000 of the $1,500,000 price |
| Improvements funded (100%) | $150,000, released in draws |
| Three limits | $1,500,000 (90% purchase + 100% improvements) · $1,567,500 (95% LTC) · $1,650,000 (75% of value) |
| Total loan | $1,500,000, the smallest of the three |
| Loan-to-cost / value | About 90.9% of cost and 68.2% of the $2,200,000 value |
| Interest-only debt service | About $118,125 a year at 7.875% |
| DSCR on stabilized NOI | 165,000 ÷ 118,125 ≈ 1.40x |
Illustrative only. Actual leverage, rate, points and costs vary by property, borrower and program. Closing costs, points and interest are additional.
Your loan is the smallest of the three limits. When the improvement budget is large relative to the price, the purchase plus improvements figure usually sets the number, and when the value is tight, the value cap does.
Up to 90% of purchase
Buy the building with high leverage and close on the seller’s timeline, not the bank’s.
Beat the maturity date
Pay off a maturing or short-term loan while you line up your permanent financing.
Up to 100% of improvements
Renovate units, update common areas or re-tenant space, with funds released as work is completed.
Time to fill the building
Interest-only terms with extension options give you room to lease up before you refinance out.
Land on long-term financing
Stabilize with us, then refinance into long-term financing, including our DSCR loans for qualifying rentals.
Close your way
Hold title in an LLC or other entity. Foreign nationals are welcome.
Apartment buildings, from small complexes to larger communities.
Retail or office on the ground floor with apartments above.
Storefronts, strip centers and neighborhood shopping centers.
Small and mid-size office buildings with a lease-up or repositioning plan.
Light industrial, flex and warehouse space.
Have something different? Send it over and we’ll tell you honestly whether it fits.
Primary residences and personal-use properties are not eligible.
| Feature | Cambridge Commercial | Traditional Bank Loan |
|---|---|---|
| Qualifies on | The property, its income and your plan | Your financials, global cash flow and history |
| Documents | No tax returns or income verification | Tax returns, financial statements, extensive underwriting package |
| Property condition | Transitional and value-add OK | Often must be stabilized |
| Improvements | Up to 100%, in staged draws | Often limited or a separate loan |
| Payments | Interest-only during the term | Usually principal and interest |
| Speed | As few as 5 days | Often 45-90+ days |
| Ownership | LLC or entity welcome | Often requires personal guarantees and deep financials |
Bank column is a generic composite of commonly seen terms as of 2026, subject to change, and does not describe any specific lender.
Enter your deal to estimate your loan, leverage and coverage. Illustrative only.
Illustrative only; not a commitment to lend. Loan = lesser of (90% of purchase + 100% of improvements), 95% of total cost, or 75% of value. Debt service assumes interest only on the full loan balance, which overstates cost while improvement funds are drawn over time. DSCR = NOI ÷ annual debt service. Rate shown is an example; your terms depend on the property and borrower. Excludes points, closing, title and insurance costs.
| Leverage | Up to 95% LTC · 90% of purchase · 100% of improvements · up to 75% of value |
| Rate | From 7.875% |
| Term | 12-18 months, interest-only, with extension options |
| Income | No tax returns or income verification; asset-based underwriting |
| Property documents | Purchase contract or payoff statement, rent roll and operating statements where available, and improvement budget |
| Valuation | Appraisal or valuation supporting the value |
| Borrower | Individual, LLC or entity; foreign nationals OK; brokers welcome |
| Verification | Government ID, entity documents and proof of funds for your cash to close |
Requirements shown reflect our strongest profiles and may vary by property, borrower and market conditions.
Send the address, price or payoff, current income, any improvement budget and your exit plan.
We send a term sheet with your rate, leverage and costs, so you know your options before you commit.
Appraisal, title and insurance move side by side, and we review leases, entity and ID documents.
Close in as few as 5 days, start your plan, and request staged draws as improvements are completed.
A loan that finances income-producing property such as multifamily, mixed-use, retail, office or industrial buildings. Ours are asset-based and underwritten on the property, its income and your plan.
No. Our commercial loans are asset-based, so we do not require tax returns or income verification.
Up to 90% of the purchase price and 100% of improvement costs, up to 95% loan-to-cost and up to 75% of value. Your final amount is the smallest of those limits and is set in underwriting.
Rates start at 7.875%. Terms are 12-18 months, interest-only, with extension options. Your exact pricing depends on the property, leverage and experience.
As fast as 5 days on well-prepared files. Timing depends on appraisal, title, insurance and how quickly documents come back.
Yes. Value-add and transitional properties are a core use. We fund up to 100% of improvement costs, released in staged draws, and your term includes extension options for lease-up.
You pay the loan off through a sale or a refinance into long-term financing. We talk through your exit before closing so the loan fits your plan.
Multifamily, mixed-use, retail, office and industrial or warehouse space, in all 50 states. Other types are reviewed case by case. Personal-use properties are not eligible.
Yes. You can get a free quote without a credit pull. Credit is reviewed later, in underwriting, if you move forward.
Yes. LLCs and foreign nationals are OK, and brokers can submit deals for their borrowers.
Talk to Cambridge Capital and get a free quote with no credit pull. Fund in as few as 5 days.
© 2026 Cambridge Capital · Commercial Real Estate Finance. Commercial real estate loans are business-purpose loans and are not available for personal, family or household use or for primary residences. Rates, leverage, terms and closing timelines are illustrative, subject to change without notice, and subject to borrower, property and deal qualification and underwriting approval. “Rates from 7.875%,” “up to 95% LTC,” “90% of purchase,” “100% of improvements,” “up to 75% of value” and “close in as few as 5 days” reflect the strongest profiles and are not a quote or commitment to lend. Calculator results and examples are illustrative and exclude closing costs. Comparison figures are generic market composites and are not the terms of any specific lender. This page is informational and does not constitute financial, legal, tax or investment advice.
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