Commercial real estate loans from $100K to $75 million. No tax returns. Up to 80% LTV. Closings in 2 to 5 weeks.
We do NOT pull credit. We’ll email you a full LOAN QUOTE.
No obligation. Your information stays confidential and is used only to respond to your inquiry. Prefer to talk? Call 1-888-858-3241.
We underwrite the building and how it performs, so the loan fits the asset instead of a bank's checklist.
Pull equity out of a building you already own to buy the next one, fund tenant improvements, or build reserves. Up to 80% LTV on qualifying properties.
Replace a loan whose rate, structure, or maturity no longer fits your plan for the property, without taking cash out.
Move off expensive short-term debt, or a balloon coming due, and into permanent financing before the maturity date catches you.
Finished the build or the repositioning? Refinance the construction loan once the property is complete and leasing up.
Your business operates out of the building? We finance owner-occupied commercial property, including 5+ unit buildings. Many lenders won't.
Loans start at $100K, so a small-balance commercial refinance gets the same attention as a large multifamily deal. No W-2s or tax returns required.
You have a maturity date, a rate you want to lock, or a purchase that depends on the cash out. Then the lender goes quiet for two days. Anyone who has refinanced a commercial building has lived through that.
We respond to clients within the hour during business hours, and often in minutes. When something changes in your file, you hear about it that day rather than the week of closing. We run every file that way, because on a time-sensitive refinance a late answer costs real money.
The person on the other end has usually owned property too. Most of our loan officers are real estate investors themselves, so the conversation is about rent rolls, NOI, and your exit, not a script.
Get my commercial quoteHow a commercial refinance compares with a direct private money lender versus a bank.
| AMZA Capital | Traditional bank | |
|---|---|---|
| Underwriting basis | The property's income, value, and your plan for it | Tax returns, personal income, and global cash flow |
| Tax returns and W-2s | Not required | Usually two or more years |
| Owner-occupied commercial | Eligible | Often routed to a separate program or declined |
| Response time | Within the hour | Two days to a week |
| Maximum LTV | Up to 80% | Lower caps on many property types |
| Loan size | $100K to $75 million | Small balances often unwanted |
| Time to close | 2 to 5 weeks | Weeks to months |
Terms subject to underwriting. Not all borrowers or properties will qualify.
Tell us about the property, its income, and what you want the refinance to do. The form takes about two minutes and asking has no effect on your credit.
A loan officer reviews the numbers and comes back with a pricing proposal, or tells you plainly what would need to change for the deal to work.
Lock your terms, finish underwriting, and fund. Closings take 2 to 5 weeks.
If your company runs out of the building, whether that is a shop, an office, a warehouse, or a medical practice, you can still refinance with us. We finance owner-occupied commercial property, including 5+ unit buildings, which is something most lenders decline.
The one thing we don't finance is owner-occupied 1–4 unit residential. Every loan is business-purpose.
Mostly on the property. We look at its net operating income and how comfortably that income covers the new loan payment (the debt service coverage ratio, or DSCR), along with the appraised value and the LTV that produces. That is why the form asks for annual NOI and occupancy. If you have those numbers, the first quote will be much closer to the final terms.
Yes. Owner-occupied commercial is eligible, including 5+ unit buildings and other commercial property your business operates from. Most lenders decline these loans. The only owner-occupied property we don't finance is 1–4 unit residential.
No W-2s and no tax returns. The file centers on the property and how it performs. Your loan officer will tell you exactly what your deal needs after the first conversation, so you aren't gathering paperwork that won't be used.
Closings typically take 2 to 5 weeks from application. You'll get a response within the hour when you reach out, and the faster the property information comes in, the sooner we can lock terms.
Up to 80% LTV, depending on the property type, its income, and your equity position. Rate-and-term refinancing with no cash out is also available.
From $100K to $75 million. A small-balance commercial loan on a single retail building gets the same attention as a large multifamily refinance.
Fill out one short form and a loan officer will come back with a no-obligation pricing proposal. Up to 80% LTV, $100K to $75 million, closings in 2 to 5 weeks.
Prefer to talk? Call 1-888-858-3241.
Get My Commercial Quote