Commercial Financing When Traditional Documentation Doesn't Tell the Whole Story

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Commercial Financing When Traditional Documentation Doesn't Tell the Whole Story

Lender · Phoenix, AZ · Member since 2026 · 55 posts · 17 votes

Not every strong commercial real estate borrower looks perfect on a tax return.

Self-employed investors and business owners can have solid cash flow, strong credit, and significant experience while still having difficulty qualifying through a traditional bank.

At The Fiirm, we specialize in Small Balance Commercial financing and can consider both owner-occupied and investment commercial properties, including alternative-documentation scenarios.

Some highlights:

• $100K–$2.5M loan amounts
• Owner-occupied and investment properties
• Multifamily, mixed-use, office, retail, self-storage and other commercial property types
• Purchase and refinance transactions
• Alternative-documentation options available
• Up to 80% LTV on qualifying transactions
• Minimum 650 FICO
• Long-term, fully amortizing options available

If you're an investor, business owner, broker, or real estate professional with a commercial scenario that doesn't fit neatly into a traditional lending box, feel free to reply here or message me.

I'm always happy to look at a scenario and help determine whether there may be another path forward.

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