Commercial Lending

DCS commercial lending originates real estate loans designed for the borrower and real estate investor whose needs are not always met by more traditional lending methods up to 97% LTV. 

Commercial Loans example:

• Apartments/Multi-Family

• Office

• Retail Centers/Malls

• Industrial/Warehouse

• Hotels

• Golf Courses

• Marinas

• Self Storage Facilities

• Mobile Home Parks

• Land

• Credit Tenant Lease

• Healthcare Facilities

• Farm/Ranch/Agribusiness

• Specialty Use Facilities

• Franchises

• Acquisitions/purchasing a business

• Mezzanine financing

• Bridge Loans

• HUD

• SBA

No-Doc and Stated Programs

Easy doc and stated programs for both apartments and commercial allow you to finance your properties without verifying your income, assets or employment. This product is credit score driven.

Traditional Commercial Loans

The following traditional loans are similar to other lenders. However, our pricing is very competitive, and we will look at properties other lenders shy away from.

Apartments, Industrial/Warehouse, Industrial Condo, Mixed Use, Mobile Home Park, Retail, Anchored or Non-Anchored, Retail strip mall, Self Storage, Office Building, Office Condo.

Mezzanine Financing

DCS’s mezzanine financing products give owners access to greater proceeds than available through conventional financing. DCS’s products can be used in conjunction with new or existing mortgage loan financing.

Bridge Loan

Bridge Loan DCS offers interim financing on commercial properties including multifamily, office, retail and hospitality nationwide. In addition, our quick turnaround allows the borrower to close in a shorter time frame than otherwise required for traditional permanent loans. Bridge financing gives owners the flexibility they need to reposition and stabilize properties. DCS’s conventional loan programs can provide permanent financing upon stabilization, creating a seamless exit.

Conduit Financing

Securitized Loan DCS provides competitive Conduit financing for acquisition or refinance of all types of commercial properties nationwide.

SBA Loans

Our focus has been to streamline every aspect of SBA lending operations. We make the application process as painless as possible by proactively working with the borrower and offering the highest level of assistance available. We offer approvals within five business days and closings typically in 45 to 60 days. Since becoming a Preferred Lender in several SBA districts, we are now able to process your loan from application to closing in under 45 days.

Utilizing the SBA, we can include funds for equipment, inventory and working capital under the same loan as owner-occupied commercial real estate. Our loans are specifically designed for a variety of industries including:

Commercial Loan Checklist   (Note below list is for a full doc loan for a Stated loan exclude tax returns) 

• Summary Letter to include (loan request, interest rate request, term etc.)

• Rent Roll

• Financial Statement or 1003 Loan Application

• Last 2 year Tax Returns (Business & Personal)

• Property Description (size, location, age,# of units etc.)

• 2 Year Income & Expense Statement

• Photo's of property

• Purchase Contract (if a purchase)

• Credit Report

• Copy of Partnership Agreement (if a partnership)

• Construction Cost Beak Down (if a construction loan)

• Current Profit & Loss (if self employed)

• Escrow Instructions & Preliminary Title Report (if available)