We Cover All Your Commercial Lending Needs
Stop wasting valuable time submitting loan apps and damaging your FICO score with numerous credit pulls. Let us find the best loan terms with one loan app.
ACMS Commercial Direct Sources the Right Lender for Your Deal
Acquisitions
Take a minute to send us a quick app and get vetted loan offers in a couple days.
Rehab/Value Add
Get the capital you need for light or heavy rehab & value add projects on your property.
New Construction
We have numerous capital providers ready to lend on your ground up construction and development projects.
Refinance
Need cash out or just rate/term refi, our lender network will ensure best terms, guaranteed!
ACMS has a network of lending partners for residential & commercial real estate, equipment & business loans
Residential
Multi-family
Retail
Hospitality
Industrial
Equipment
Our Lending Network Is Expansive!
Banks & Credit Unions
Banks may not always be the most aggressive on terms, but they deliver can deliver for cash flowing properties & construction loans to very strong borrowers.
Loan Amount:
$500,000 to $5 Million+
Typical Term:
5, 7, or 10 years
Interest Rates:
3.05% - 5.30%
Non-Recourse:
Available
Credit Unions definitely deliver on both rates and aggressive terms, especially if its local to their backyard.
Loan Amount:
$250,000 to $5 Million+
Typical Term:
5, 7, or 10 years
Interest Rates:
3.05% - 5.30%
Non-Recourse:
No
Fannie MAe, Freddie mac, & FHA/HUD Multifamily Loans
Fannie Mae is a government-sponsored entity that supplies Multifamily loans through its various lending programs. One of the most popular is their Small Loans program for loans up to $5 Million.
Loan Amount:
$750,000 to $100 Million+
Typical Term:
5 - 30 years
Interest Rates:
3.02% - 4.02%
Non-Recourse:
Yes
Freddie Mac is a government-sponsored entity that supplies Multiamily loans through multiple lending programs, including their Small Balance program for 5-50 unit communities up to $7.5 Million.
Loan Amount:
$1 Million to $100 Million+
Typical Term:
5 - 10 years Fixed,
up to 20 years Floating
Interest Rates:
3.64% - 4.35%
Non-Recourse:
Yes
HUD's multifamily loan programs have historically been difficult to obtain due to heavy paperwork, approvals, and long time-to-funding, but they represent an extremely stable long-term option.
Loan Amount:
$500,000 to $5 Million+
Typical Term:
30 - 35 years
Interest Rates:
2.15% - 2.85%
Non-Recourse:
Yes
CMBS
CMBS lending is typically a fit for loans $3 Million or greater, on stabilized office, industrial, retail, hospitality, or multi-family assets.
Loan Amount:
$1 Million to $100 Million+
Typical Term:
5 - 10 years
Interest Rates:
2.78% - 4.86%
Non-Recourse:
Yes
Private/Hard Money Lenders
Private or hard money lenders that have a fund to hold loans on their balance sheet, will typically be the most flexible and easy to work with, while other private lenders that sell loans to a secondary market of hedge funds will likely be forced to follow strict underwriting rules, with little room for exceptions.
Loan Amount:
$1 Million to $100 Million+
Typical Term:
1 - 3 years
Interest Rates:
3.36% - 9.92%
Non-Recourse:
Available
Life Insurance CRE Loans
Life Insurance Co loans are coveted for their long-term, low fixed rates. These lenders prioritize very stable property loans from extremely experienced, reliable borrowers.
Loan Amount:
$2 Million to $100 Million+
Typical Term:
5 - 15 years
Interest Rates:
2.50% - 4.25%
Non-Recourse:
Yes
SBA Real Estate Loans
SBA lenders are typically a bank, but can be a nonbank as well. They all have different sweet spots regarding business types and loan sizes. Overall the rates are & costs for SBA loans are one of the lowest you can get, it may take 1-2 months to close.
Loan Amount:
$250,000 - $14 Million
Typical Term:
5 - 25 years
Interest Rates:
3.08% - 5.34%
Non-Recourse:
No