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Banc Series™ Commercial Loans

Flexible Terms. Low Rates. Low Costs.

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Commercial Mortgage Loans
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Small Commercial Loans
Crefcoa can help. Our Micro Equity Series program provides commercial mortgages for self employed borrowers or borrowers with credit challenges.

Banc Series Commercial Real Estate Loans Overview

Banc-Series™ Commercial Loan program is Crefcoa's best performing and most popular commercial real estate loan program. Banc Series provides low fixed rates, up to 30 year terms and 75% leverage. Funded by both bank balance sheet and off-balance sheet assets, Banc Series offers several different program options - some with less restrictive underwriting guidelines - ensuring you get the commercial financing that best meets your individual needs and investment objectives.
  • Available nationwide in most primary and secondary markets
  • Fixed and floating rate options
  • Flexible underwriting
  • Available for both investor and owner-occupied commercial real estate properties
  • Recourse and non-recourse options
  • Up to 30 year terms

Banc Series Commercial Loan Program Guidelines

  • Loan sizes from $500,000 - $25,000,000
  • Traditional property types only
  • 15, 20, 25 and 30 year amortizations
  • Up to 75% LTV
  • No balloons or call options
  • Multiple prepayment premium options
  • Recourse and non-recourse options
  • Two years of stabilized operating history
  • Owner occupied or investor properties
  • Minimum population requirements
  • 3, 5, 7, 10 and 15 year fixed-rate terms
  • Prime rate floating options available
  • Cash out available
  • Minimal impound reserves
  • 660 minimum credit score required
  • 1.25 minimum DSCR
Eligible Property Types
  • Office Building
  • Office Condo
  • Retail (anchor, unanchored and shadow)
  • Strip Center
  • Medical Office
  • Mixed-Use
  • Warehouse
  • Self Storage and Mini-Storage
  • Manufacturing
  • Industrial
  • Professional centers
  • Assisted Living (exception based)
Ineligible Property Types
No environmentally sensitive industries, non-profit, daycare, general contractors, schools, retail food, bars, dance/night clubs, nursing home, houses of worship, hotels, motels, and gas station.
No special use properties, properties that can't accommodate multiple type of businesses without significant modifications to the collateral, such as: car washes, golf courses, skating rinks, soccer fields, or gymnasiums.
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Do you require greater flexibility?

Crefcoa's Flex-Series Commercial Loan program and Small Balance Plus Commercial Mortgage program provide greater leverage, expanded property type eligibility, and smaller commercial loans sizes. For small commercial mortgages (under $500k), the Micro Equity Series provides commercial loans for self employed borrowers or borrowers with bad credit. Banc Series underwriting guidelines.

Commercial Real Estate Loans for Investor Properties

Crefcoa provides commercial real estate loans through multiple program options:


Disclosure: Commercial mortgage loan program availability may vary depending on property type, state, population, economic conditions, exposure, and other variables that may negatively influence risk. Program rates, terms, and conditions are subject to change without notice. Crefcoa provides borrowers with a simplified way to obtain commercial real estate financing and apartment financing through standardization and a product driven online platform. 90% commercial financing available in select markets.