Commercial and Construction Loans

Unlike most bank loans, we can provide is a Stated Income/Asset Program.

That means full document paperwork isn’t required .

• No tax returns required
• No income verification
• Unrestricted cash-out
• Loan amounts under $1 million
• Secured on commercial properties like multifamily, mixed use, warehouse, office, retail, industrial, automotive, special use and more
• Several affordable payment options
• Automatic payment options – no more writing checks
• Fixed or adjustable rates
• 15 to 30-year amortization
• Loans to corporations, partnerships, and trusts ok

• Mixed Use/Apartment Buildings – These properties integrate residential spaces with commercial uses, such as retail or office space. Often these properties have a ground floor retail store or office with apartment(s) above, all in the same building.

• Self-Storage Facilities – Now one of the most competitive building classes in the country, these facilities are designed primarily for storage. This category also includes cold storage, RV and boat storage facilities, and truck terminals (transit facilities).

• Retail/Office Buildings – Designed for retail or office sales and display, this category includes stand-alone buildings such as offices, supermarkets, convenience stores, drug stores, department stores, bakeries, and beauty shops – as well as strip centers, and neighborhood and community shopping centers.

• Warehouses/Light Industrial Properties – Single and multi-tenant facilities that are used for warehousing, light manufacturing, distribution, research and development. Does not include buildings where heavy manufacturing or specialized industrial operations such as welding occur.

• Automotive Services – Includes everything from auto repair facilities to retail auto shops and part supply stores.

• Special Purpose/Unique Properties – InterBay Funding will consider all commercial and unique properties that fall within our program guidelines and loan amounts, including day care and educational facilities, funeral homes, campgrounds, outdoor entertainment centers, trailer and mobile home parks and marinas.

• Hotels/Motels – With our industry knowledge and expertise, we feel we understand the non-flagged world of hotels and motels better than most lenders. Our valuation assumptions are based on facts relative to the specific property.

• Restaurants – We offer competitively priced financing for a wide range of properties, including owner-occupied and leased facilities as well as fast-food and full-serve restaurants in neighborhood settings or urban.

• Multi-Family Housing – We fund residential structures that contain five or more dwelling units in the same building. These multi-story buildings generally offer individual apartments for rent with common area facilities, such as an entrance, lobby, elevator, stairs, hallway, walks or grounds.

• Health Care – Included in this category are all Assisted Living or Nursing Home types of operations where a license is required to operate the business.