Financing That Moves Your Business Forward
SBC loans from $100K to $2.5M — fast decisions, flexible structures, and a team with 30+ years of combined lending experience behind every deal.
SBC Financing Solutions
From $100K to $2.5M — we specialize in the property types that drive real wealth.
Finance properties that blend commercial and residential space — ideal for urban portfolios and diversified income strategies.
- Retail + residential combinations
- Competitive fixed & adjustable rates
- Up to 75% LTV
- Fast close timelines
Purpose-built financing for 5+ unit residential investment properties. Build and scale your apartment portfolio.
- 5–50+ unit properties
- Bridge & permanent options
- Strong cash-flow structuring
- Streamlined underwriting
Stop paying rent — own the property your business operates from. Build equity and take control of your occupancy costs.
- Office, retail & warehouse
- Favorable owner-user terms
- Up to 90% LTV available
- SBA program alignment
Non-owner occupied commercial real estate loans for investors building long-term wealth through income-producing assets.
- Single & multi-tenant assets
- DSCR-based qualification
- Portfolio loan options
- No personal income required
Qualify on Cash Flow, Not Your Tax Return
Our DSCR loan programs are built for real estate investors — no W-2s, no personal income documentation. Just the numbers on the property.
Standard DSCR
$100K – $2.5M
Debt Service Coverage Ratio loans that qualify you based on rental income vs. debt obligations — perfect for investors who write off income and don't show strong W-2 earnings.
- No personal income verification required
- Qualify based on property cash flow (DSCR)
- Ideal for investors with multiple properties
- Available on single-family and small multifamily
Cross-Collateral DSCR
Up to $6.25M
Our exclusive cross-collateral DSCR program lets you pledge multiple properties as combined collateral — unlocking significantly larger loan amounts that a single asset can't support on its own. Designed for serious portfolio investors.
- Leverage 2+ properties as combined collateral
- Access up to $6.25M in financing
- Unlock equity across your entire portfolio
- Structured for seasoned investors scaling fast
What is DSCR?— Debt Service Coverage Ratio measures whether a property's income covers its debt payments. A DSCR above 1.0 means the property pays for itself. We lend to investors, not just W-2 earners.
What We Lend On
Our SBC program covers 17 property types across two risk tiers. Click any asset class to view eligibility requirements.
Most favorable pricing and terms. Multi-family dominated income strongly preferred. Requires non-transient residential occupancy.
Asset class eligibility and tier classification are subject to underwriting review. Contact Claudia for specific questions about your property type.
A Program for Every Borrower Profile
Whether you're a W-2 borrower, self-employed investor, or somewhere in between — we have a documentation path that works for your situation.
Requirements
- 2 years personal tax returns (all guarantors & borrowers)
- 2 years business tax returns
- Subject property tax returns (2 years)
- Standard financial documentation package
Requirements
- 3 months bank statements (to validate rental collection)
- Cash flow from subject property relied upon for debt repayment
Requirements
- Minimum documentation only
- Cash flow from subject property relied upon for debt repayment
Requirements
- 12 consecutive months of business bank statements
- Deposits analyzed and averaged to determine monthly income
- Borrower must own both the operating business AND holding company (if any)
Documentation requirements are subject to underwriting review and may vary by property type, loan amount, and borrower profile. Contact Claudia for scenario-specific guidance.
Experience That Closes Deals
At The Fiirm, we built a specialized lending operation focused on Small Balance Commercial loans. That focus means faster processing, smarter structuring, and a team that genuinely understands your goals.
"I spent 8 years as a loan officer and another 8 in education before stepping into commercial lending. I understand what borrowers need — and I built my team around delivering exactly that."
— Claudia Rodriguez, EVP of Sales
30+ Years of Combined Experience
Our team brings deep expertise across commercial real estate lending — so every deal gets the attention it deserves.
Fast Decisions. Fewer Hurdles.
No red tape. We move quickly from application to approval, keeping your deal on track and your timeline intact.
Built by Loan Officers, For You
Our leadership has worked both sides of the desk — giving us the insight to be a smarter, more empathetic lending partner.
SBC Is All We Do
Small Balance Commercial isn't a side product — it's our specialty. We know the nuances, the underwriting, and what it takes to close.
From Application to Close
A clear, fast, and stress-free process — because your time and your deal both matter.
Submit Your Application
Fill out our simple intake form with details about your property, loan amount, and financial picture. No lengthy paperwork upfront — just the essentials.
Review & Structure
Our team reviews your file, structures the optimal loan terms, and presents you with clear options — typically within 24–48 hours of submission.
Approve & Close
Once approved, we guide you through a streamlined closing process built to get funding into your hands as quickly as possible.
Where We Lend
Coverage across 36 states + D.C. — check eligibility for your state below.
Eligible — We Lend Here
36 statesNot Currently Available
15 statesNot sure about your state?
Reach out directly and Claudia will confirm eligibility and walk you through your options.
Lending eligibility is subject to change. State lists current as of 2025. Contact us for the most up-to-date coverage.
Loan Officers & Brokers
Partner with The Fiirm as a wholesale lender. Expand your product offering with our full SBC line — and earn more on every commercial deal you close.
Why Brokers Choose The Fiirm
Competitive Wholesale Pricing
Access our full SBC product suite at wholesale rates — bring more value to your clients.
Fast Turn Times
Dedicated wholesale support with quick file reviews so you can keep deals moving.
Broad Product Access
SBC, DSCR, Cross-Collateral up to $6.25M, 17 asset classes, 36+ states.
Direct Access to Decision Makers
No call centers. You deal directly with our team — the people who actually work your files.
Approved Broker Benefits
- Access to our full SBC product matrix
- DSCR & Cross-Collateral up to $6.25M
- 36+ state lending footprint
- Same-day scenario reviews
- Dedicated point of contact — Claudia Rodriguez, EVP of Sales
- Marketing support and co-branded materials
Prefer to reach out directly?
Let's Get Your Deal Done
Ready to move forward? Fill out the form and Claudia will personally reach out to discuss your loan needs — usually within one business day.
Lending Disclaimer: The Fiirm is a commercial lending brokerage. All loan products are subject to borrower qualification, property eligibility, and market conditions. Loan amounts available from $100,000 to $2,500,000. Equal Housing Lender.