Small Balance Loans

Alliance Business Capital offers Small Balance Commercial Loan Programs through select national lending partners, providing financing from $350,000 to $3 million for commercial properties and residential investment real estate.

These programs are designed for borrowers seeking efficient underwriting, competitive terms, and a streamlined closing process for stabilized assets that fall below traditional bank minimums.

Alliance Business Capital Small Balance Loans

Loan Criteria

  • Minimum Loan Amount: $350K (lower on a case-by-case basis)

  • Maximum Loan Amount: $3 Million

  • Rates: From 9.50%

  • Terms: Up to 30 Years

  • Minimum DSCR: 1.20

  • Maximum LTV: 70% LTV

Eligible Property Types

  • Investment – Residential 1-4 Units

  • Investment Commercial – Retail, Office Condo,

  • Commercial – Retail, Office

Required Loan Forms & Initial Documentation

Alliance Business Capital has developed a standardized loan package that aligns with the documentation and underwriting requirements of our lending partners. Proper packaging is essential to the loan approval process, and our role — whether acting as a commercial loan intermediary, advisor, or correspondent lender — is to ensure your client’s submission is complete, compliant, and positioned for efficient lender review.

Loan Forms

Please use Alliance Business Capital forms exclusively when submitting a Loan Application. All forms should be completed in as much detail as possible to avoid delays in processing. Our team will assist in fine‑tuning all forms prior to lender submission.

Initial Documents Needed

  • 2 Forms of ID – (Driver’s License and Passport)

  • Borrowing Entity Formation Documents

  • On Refinances – a copy of the existing note(s) and settlement statement from original purchase if < 4 years

  • Property Financials – most recent 3-year end PL’s and a current YTD profit and loss with balance sheet

  • Property Rent Roll – if applicable

Upon receipt and review of the above documents, additional information or documentation may be required.

Disclosure

Alliance Business Capital is a commercial loan intermediary and advisory firm and may act as a correspondent lender for certain programs. We are not a direct lender. All financing is arranged through third‑party lenders and is subject to lender approval, underwriting requirements, and market conditions. Terms, rates, and eligibility criteria may vary by lender, property type, and borrower qualifications. Nothing on this page constitutes a commitment to lend or an offer of credit.

It All Starts With a Conversation!

Have a deal you’d like to discuss? Partner with Alliance – we’re results-oriented and focused on helping you close transactions efficiently.

For Commercial Real Estate Financing, Please call

(866) 712 4175

info@alliancebcpartners.com