Answers, including
the awkward ones

It is lending against a building that the borrower’s own operating business uses — which means the credit decision is driven by the business, not by a rent roll.

Ten percent on a standard SBA 504 project, fifteen percent if the building is special-purpose or the business is under two years old, twenty percent when both apply, and typically twenty-five to thirty-five percent on a conventional owner-user loan.

Roughly $500,000 to $12,000,000 of total project cost. Below that, a local bank usually serves a borrower better; above it, the structures change enough to need a different desk.

Some. Small-balance investment property is a real part of the book, but it is underwritten on the rent roll and priced differently. It is not the centre of what we do and the site says so.

This site publishes no rates. Every figure here is a worked example. A real rate depends on the lender, the programme, the property type, the coverage and the day — anyone quoting one before underwriting is guessing in public.

Because conventional commercial loans amortise over twenty to twenty-five years but mature in five to ten. The unamortised balance at maturity is the balloon, and our amortisation calculator prints yours.

It depends on the structure. A step-down penalty declines each year and is predictable. Yield maintenance can be very large on a low-rate note. Get the payoff quote before you model a refinance, not after.

On owner-occupied deals at this size, almost always. Burn-off provisions exist and are worth negotiating in writing at term sheet.

No. This is a website demonstration. The business, the team, the closings and every figure on the site are invented, the phone number sits in the range reserved for fiction, and there is no office to visit.

It validates and shows a confirmation on screen. Nothing is transmitted, emailed or stored anywhere. On a real deployment that submit handler is a single seam to wire to a CRM.

The mathematics is real and is worth using — amortisation, DSCR, debt yield, carry and break-even are computed properly. The default assumptions are illustrative and yours should replace them.