Loan Programs 2017-03-06T19:59:28+00:00



SBA 7(a) Loans are available through Alliance Business Capital from $350,000 to $5,000,000

Some Benefits of the SBA 7(a) Loan include:

  • Long repayment terms – reducing monthly payments

    SBA 7(a) Flyer

  • Frees up cash to expand your business
  • Low down payment of as little as 10% on multi-purpose real estate acquisitions and as little as 15% on single-purpose real estate acquisitions
  • Financing available for most industry types including: hotel/motels, gas station/convenience stores, restaurants, assisted living facilities, and day cares to name a few


SBA 504 Loans available through Alliance for up to $15,000,000

SBA 504 Flyer

Some Benefits of the 504 Loan include:

  • Low down payment of only 10%
  • Long repayment terms – reducing monthly payments
  • Frees up cash flow to expand your business
  • Many rate options including long term fixed rates
  • Associated fees and soft costs may be financed in the loan

Acceptable Use of Proceeds on a USDA B&I Loan:

  • B&I Loans may involve acquisitions, construction, conversion, repair, modernization or debt refinance

    USDA B&I Flyer

  • Loan proceeds can be used for real estate acquisition and/or improvements, machinery, equipment, furniture, fixtures and working capital
  • Closing costs and guarantee fee

SBA Caplines

SBA Caplines are lines of credit secured by Accounts Receivables.

Conventional Loans

Conventional Loans have been hard to obtain in the last several years.

Alliance is able to offer some Conventional Financing from $500,000 to $8 Million, however these loans are not available in all States and are available on Select Properties only.

Additionally Loan to Values are usually maxed out at 65 – 70%.


Alliance is pleased to now be able to consider Construction Loans under the following criteria:

Basic Criteria:

  • Maximum Loan Amount is $5 Million on SBA 7(a) Loans and $15 Million
    Commercial Loan Forms

    Click here for SBA 504 Construction Loan Flyer

    on SBA 504 Loans

  • Maximum Loan to Value is 75% – typically you must have a minimum 30% verifiable capital injection into the project
  • Must have outside income from other properties
  • Must have SBA full eligibility – no open SBA Loans
  • Must have good liquidity
  • Must have good experience as owner/operator

Typical Loan Fees:

  • 1 to 1.5% Construction Loan Fee – paid to Bank
  • 1.5% Commercial Loan Fee – paid to Alliance
  • SBA Guaranty Fees Apply
  • Third Party Reports
  • Alliance Processing Fee

Other Criteria:

  • Bank must approve Contractor
  • Contractor must have a Payment and Performance Bond for the Project
  • Additional conditions may apply upon Bank reviewing complete package

Bridge Loans

Alliance Business Capital has formed Business Relationships with 2 – 3 Reputable Bridge Lenders to better assist our Clients.

Below are one of our Lending Partners terms which are not all inclusive.

As low as 8.5%

Loan Size:
$1 Million Minimum
$5 Million Maximum with exceptions on a case by case basis up to $10 Million

Acceptable Uses:
Purchase, Refinance, Rehab/Renovation

2 & 3 Year Terms available

Leverage / Loan to Value:
Up to 75% of Actual Cost

Minimum FICO Score:
620 Minimum
680 Average

Available on Case by Case basis

Prepayment Penalty:
12-33 Month Yield Maintenance

Debt Service:

Interest Only Payments

Property Types:
Multifamily, Office, Retail, Industrial, Self Storage, Single Tenant, Mixed Use
Alliance may be able to assist with additional Property Types through a different Investor on a Case by Case basis

Origination & Application Fee(s):
Alliance has a 1 – 3% Commercial Loan Fee which will be disclosed after review of a Loan Package

Lender has a $1500 Application Fee + Appraisal & any other Third Party Reports that may be required
Lender has a 1% Origination Fee and a 1% Exit Fee
Lender also offers an Express Underwriting Fee of $5000 when time is crucial

Stated Income Loan

Alliance is pleased to announce this new Reduced Documentation Commercial Loan Program which allows for Reduced Income Documentation with No Tax Returns Required.

Here is the basic criteria of this program:

Loan Amounts:

  • Minimum – $100,000
  • Maximum – $5,000,000
  • Loan Amounts < $750,000 require a rate bump of .50

Rates depend on Property Type and FICO Scores – the below rates are fixed for 3 years

  • Investor 1-4 Units with FICO over 700 = Base Rate of 7.49% / Less than 700 FICO(650 Minimum) = 7.99%. Maximum LTV 70%
  • 5+ Unit Multifamily & Mixed Use with FICO over 700 = Base Rate of 7.49% / Less than 700 FICO (650 Minimum) = 7.75%. Maximum LTV = 75%
  • Office, Retail, Warehouse, Self-Storage, Automotive Service(no gas stations) with FICO over 700 = Base Rate of 7.99% /Less than 700 FICO (650 Minimum) = 8.49%. Maximum LTV = 65%

Eligible Property Types:

  • MultiFamily < 5 Units – includes Non-Owner Occupied SFR, Condo and 2-4 Unit MultiFamily
  • 5+ Units and Mixed Use
  • Office, Retail, Warehouse, Self-Storage and Automotive Service without a Gas Station

Maximum LTV’s:

  • 70% – Investor 1-4 Units – Includes Non-Owner Occupied, SFR, Condo, 2-4 Units
  • 75% – 5+ Units Multifamily and Mixed Use Properties
  • 65% – Office, Retail, Warehouse, Self-Storage, Automotive without Gas Station


  • 3 Year Fixed – 30 Year Fully Amortizing Loan with a Fixed Rate for 3 Years
  • 5 Year Fixed – 30 Year Fully Amortizing Loan with a Fixed Rate for 3 Years

Index / Margin / Cap:

  • WSJ Prime + 4%
  • Rate Caps = 2/1/6

Prepayment Penalty:

  • Equal to Fixed Rate Period (ex. 3 Year Fixed = 3 Year Prepayment Penalty)

Eligible Areas:
Nationwide with the following exceptions based on Property Type

  • MultiFamily < 5 Units (Maximum Loan = $2,000,000) – the following States are ineligible: Alaska, Minnesota, New Hampshire, Oregon, Utah, Vermont, Illinois, Michigan, North Dakota, South Dakota, Tennessee
  • MultiFamily > 5 Units & Mixed Use (Maximum Loan = $5,000,000) – the following States are ineligible: Illinois, Michigan, North Dakota, South Dakota, Tennessee, Vermont
  • Office, Retail, Warehouse, Self-Storage, Auto Service (No Gas Station) (Maximum Loan = $5,000,000) – the following States are ineligible: Illinois, Michigan, North Dakota, Tennessee, Vermont

Population Requirements:

  • 25,000 Minimum Population or within 25 miles of a city with 100,000 + residents

Additional Program Notes:

  • MultiFamily < 5 Units – 1st time Investor = Max LTV of 65%; 1st time Buyer = Max LTV of 60%
  • Licensing required in the following States: Arizona, California, Oklahoma, New York, North Carolina, Nevada

Required Documents for Pre-Approval.
The following items are required upfront:

1. 1003 – The Investor/Lender on this Loan Programs requires a detailed completed 1003 – please complete all applicable areas, sign and date – fax signature page to 866.598.6027
2. Copy of Property Insurance Declaration Page with agents information
3. Current Rent Roll – if applicable
4. Copies of Current Leases – if applicable
5. Operating Statements – if applicable
6. Letter from CPA stating 2 years in business or 2 Years Business License if Self Employed
7. Copy of Articles of Organization
8. Copy of Driver’s License to comply with Patriot Act
9. Copy of Purchase Contract – if this is a purchase
10. Proof of 3 months PITI – if this is a purchase
11. Copy of existing Note to be paid off – if this is a refinance

Instructions -We have to submit a complete file to this Lender/Investor in order to get it reviewed and a pre-approval issued.

Please download the application and document list by clicking on the below blue button.

Once you have the application completed please make sure to sign and date it and then email all it along with all applicable forms back to us at allianceloans@msn.com if you are not able to email the needed items please contact us and together we will figure out another way for you to get the items to us.

Application and Items Needed:
The Lender offering this Loan Program requires a 1003 be completed along with several documents in order to review a loan request. Your can download the application and list of items by clicking on the below button.

Download 1003

Commercial Financing Solutions

Alliance provides a Commercial Loan option for almost every Borrower.

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Proven Results

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