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Flex Series™ Commercial Loans

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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.

Flex Series Commercial Loan Program Overview

The Flex-Series™ Commercial Real Estate Loan program provides flexible commercial financing options for a wider range of property types, credit profiles and documentation flexibility than our conventional Banc Series program. Available for both owner-occupied and investor commercial properties, Flex Series commercial loans provide up to 90% financing (for owner occupied properties through the SBA 504 program) and up to 30 year terms, for both traditional and non-traditional properties.

Flex Series Commercial Loan Program Guidelines

General Terms and Conditions  
  • Loan sizes $500,000 - $15,000,000
  • Traditional and non-traditional properties
  • 20, 25 and 30 year amortizations
  • Up to 90% LTV for purchases (SBA 504)
  • Cash out refinances up to 70% LTV
  • Owner occupied or investor properties
  • Full and reduced document option
  • 2, 5, 7, and 10 year fixed rate terms
  • Up to 75% LTV for debt refinances
  • Step down prepayment premium
Eligible Property Types
  • Office Building
  • Retail (anchor, unanchored and shadow)
  • Office Condominiums
  • Self Storage
  • Medical
  • Dental Office
  • Auto Repair / Auto Body
  • Day Care / Vocational School
  • Warehouse
  • Mixed-Use Commercial/Residential
  • Light Industrial
  • Professional Centers
  • Strip Center
  • Restaurant (Non-Franchised)
  • Convenience Store (No Gas)
  • Strip Center
Ineligible Property Types
Bar, night clubs, dance clubs, nursing homes, assisted living facility, houses of worship, rural or agricultural, marinas, prisons, co-ops, time shares, illegal use properties, motels, hotels, campgrounds, bed and breakfast, gas stations, and restaurant (franchised).
90% Commercial Financing
Flex-Series offers borrowers the ability to borrow up to 90% of a property's value for purchase transactions under the SBA 504 program.
  • 90% Commercial financing to $12 million for owner-occupied commercial real estate properties. Owner-user (business) must occupy a minimum of 51% of eligible rentable space. Special use / special purpose properties (hotel, restaurant, day care, etc.) are capped at 75% leverage.
  • Program requires strong sponsorship with a stabilized or increasing revenues.
Stated Income Commercial Loan Option
Currently unavailable under the Flex Series Commercial Loan program.
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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. Visit Crefcoa commercial property loan home page to learn more about our commercial mortgage and apartment building loan programs. Commercial Flex Series underwriting guidelines.