BUSINESS-PURPOSE · ALL 50 STATES
Commercial Real Estate Loans Nationwide
Finance multifamily (5+ units), retail, NNN, office, industrial, self-storage, hospitality, and mixed-use assets with business-purpose commercial programs available in all 50 states. Loan sizes generally start around $500,000. Texas-based Expo Lending—nationwide reach. Subject to underwriting.
Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Send the OM, rent roll, or flyer—we’ll respond with structure options.
When the deal is commercial or larger multifamily, residential mortgage boxes stop fitting. Expo Lending connects sponsors and business owners to commercial, bridge, and owner-occupied business-purpose programs designed around property cash flow, sponsorship strength, and exit strategy—not a consumer W-2 checklist. Texas-based Expo Lending works qualifying commercial files in all 50 states. Loan sizes generally start around $500,000(bridge and hard money commonly from about $1,000,000), subject to underwriting.
Expo Lending has completed hundreds of successful closings—see Success Stories. For the full commercial & business menu, visit the Business & Commercial Loans hub.
Property Types We Help Finance
Owner-Occupied vs. Investment
Owner-occupied(your operating company uses a qualifying share of the building—commonly about 51%+) can open SBA 7(a) and 504 pathways and, in eligible rural markets, USDA B&I. Investment properties are underwritten primarily on leases, NOI, and DSCR (often roughly 1.20x–1.30x on many permanent programs)—subject to underwriting.
How Commercial Financing Works With Expo
- Deal screen — Asset type, location, purchase price or value, NOI / rent roll, occupancy (owner-user vs. investment), and timeline.
- Structure options — Permanent vs. bridge, SBA vs. conventional, recourse expectations, LTV/LTC ranges, and reserve needs—subject to underwriting.
- Package & place — We help organize the file for programs that fit—without locking you into one capital source’s only product.
- Due diligence to close — Appraisal or eval, environmental as required, entity docs, insurance, and title through funding.
Common Requirements (Indicative)
- Typical minimum loan amounts from about $500,000 on many permanent commercial programs
- Availability in all 50 states for qualifying business-purpose transactions
- Sponsor credit commonly in a range around 680+ for many programs; stronger credit and experience can expand options
- Meaningful equity / down payment consistent with asset class and whether the deal is stabilized or transitional
- Demonstrable experience or a strong operator plan for value-add and bridge requests
Rates, fees, prepay structures, and recourse vary widely. We quote only after reviewing your package—never a blanket “from X%” claim on this page. All terms subject to underwriting.
Documents That Speed Up a Term Sheet
- Offering memorandum, flyer, or purchase contract
- Rent roll and trailing-12 (T12) operating statements when available
- Entity org chart, operating agreement, and guarantor resumes
- Personal financial statement and liquidity evidence for sponsors
- Existing debt terms for refinances; CapEx budget for value-add / bridge
- Environmental reports or prior appraisals if you already have them
Bridge, Hard Money & Cash-Out
Commercial bridge loans(commonly from about $1,000,000) may help when you need speed, are stabilizing occupancy, completing renovations, or waiting on a permanent takeout. Hard money emphasizes asset-based sizing for transitional or documentation-challenged files. When equity and NOI support it, cash-out commercial refinances may fund renovations, acquisitions, or partnership changes—subject to underwriting.
1–4 Unit Investors
Smaller residential rentals usually fit DSCR loans(nationwide) rather than commercial multifamily. Texas residents buying a primary residence can explore non-QM options from the residential mortgages hub.
Commercial Loan FAQs
What is the minimum loan size?
Commercial programs we work with generally start around $500,000. Bridge and hard money commonly start around $1,000,000. Smaller 1–4 unit investment needs are usually a better fit for DSCR loans. Subject to underwriting.
Do you lend in states outside Texas?
Yes. Business-purpose commercial financing may be available in all 50 states. Expo Lending is Texas-based. Consumer-purpose residential loans remain Texas-focused for Expo’s residential non-QM posture.
What credit score do I need?
Many commercial programs look for sponsor mid-FICO scores generally around 680 or higher. Compensating factors—liquidity, experience, lower leverage—can matter as much as the score. Subject to underwriting.
Can I finance a value-add or vacant property?
Bridge and certain transitional programs may support value-add business plans with a credible budget and exit. Fully vacant or heavy construction deals need extra scrutiny. Stabilized cash-flowing assets fit permanent debt more cleanly. Subject to underwriting.
Are SBA 7(a) or 504 loans included?
Owner-occupied commercial needs may pair with SBA pathways when eligibility and occupancy rules are met. See our SBA loans page. Subject to current SBA rules and underwriting.
How long does a commercial closing take?
Bridge closings can be faster when diligence is light; permanent commercial loans often take longer due to appraisal, environmental, and underwriting. Timelines depend on asset complexity and package completeness.
Mon–Fri 9 AM–6 PM Central · Nationwide business-purpose lending
Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Commercial and business-purpose loan programs, guidelines, amounts, and availability vary by state and underwriting. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.
