Conventional Loans

Alliance Business Capital offers Conventional Loan Programs through a select group of national lending partners, providing reliable, competitively priced financing for stabilized commercial properties.

These programs are designed for borrowers seeking long‑term, fixed‑rate solutions backed by strong property performance and experienced ownership.

Alliance Business Capital Conventional Loans

General Criteria

  • Minimum Loan: $2 Million

  • Maximum Loan: $20 Million

  • Loan Term: 5 Year

  • Amortization: Up to 25 Years

  • Maximum LTV: 70% (most deals are limited to 65%)

  • Rates: As low as 7.5%

  • Eligible Use of Proceeds: Purchase, Refinance, Refinance with cash-out

  • Eligible Use: Owners-Occupied, Investor, Multifamily 5+ Units

  • Minimum FICO: 625

  • Minimum DSCR: 1.00

  • Recourse: Full Recourse; Non-Recourse on case-by-case basis

  • Loan Fees: Minimum 1% to Lender; 1% to 3% to Alliance

Eligible Property Types

  • Primary Properties: Warehouse, Office, Industrial, Medical Office, Flex, Auto Body, Office Condo, Retail, Restaurant, Urgent Care, Surgery Center,

  • Secondary Property Types: Self-Storage, Cold Storage, Auto Repair, Car Dealership, Senior Housing, Hospitality

  • Multifamily Properties: Apartment Buildings, Garden Apartment Complexes, Multi-Unit Buildings, Properties of 5 Units or More

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

  • Construction Loans – need a copy of approved plans, permits and contractor detailed construction budget along with a proforma

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

Disclaimer

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