For Commercial Borrowers that may not qualify for conventional real estate financing, SNH Commercial Finance offers alternative Stated Loan Programs to meet the unique needs of property owners nationwide.

Whether a property has insufficient seasoning, a borrower has credit challenges, or prior tax returns do not support the expected debt service, our Stated Commercial Loan options can meet the business objectives for both owner-occupied as well as investment property owners for most multi-use property types. Contact us today to review this attractive financing program.

Program Details

  • Up to 75% Financing, Commercial Refinance or Purchase
  • Flexible, low-doc, underwriting
  • Up to 30 Year Amortization
  • Cash-out up to 70% LTV
  • No Tax Returns Required
  • No minimum FICO on Principals
  • 30 Year Fixed Rate Options, starting at 7.25%
  • 45 – 60 day closings

Property Types

  • Office
  • Retail, Stand-Alone or Centers
  • Multi-Family
  • 1 – 4 Family Residential Portfolios
  • Mixed-Use
  • Warehouse
  • Self-Storage


Recently Funded Loans

$400,000, Cash-Out Refinance, 50% LTV, 30 Year Term, Single Tenant/Auto Repair, Utica, NY

$1,155,000, Cash-Out Refinance, 70% LTV, 30 Year Fixed, Single Tenant Office, Sumter, SC

$1,672,500, Cash-Out Refinance, 75% LTV, 30 Year Fixed, Single Tenant Office/Warehouse, Concord, NC