Commercial Mortgages
Owner-user and investment properties, from neighborhood retail to large assets — one application shopped across our commercial lender bench.
$250K – $250MOne broker shops 130+ lender and funder partners for your deal: commercial mortgages, investor loans, business capital and fast working capital. No bank runaround, no one-size-fits-all turndowns.
Programs
Every program below is placed through our lender and funder partners — NEWLOANCO Commercial is your broker and advocate, never the bank. Not sure which lane fits? That's what the free consultation is for.
Loans secured by commercial property — purchased, refinanced or repositioned.
Owner-user and investment properties, from neighborhood retail to large assets — one application shopped across our commercial lender bench.
$250K – $250MStreamlined commercial loans with fast-track underwriting — closings in about 30 days for qualified properties.
Fast ClosingsGovernment-backed financing for owner-operated businesses buying real estate or expanding — lower down payments, longer terms.
Owner-OperatorsQualify on the property and your assets, not tax returns. No income verification programs for investors and business owners.
To 75% LTV · $75K – $5MShort-term first-mortgage bridge capital and mezzanine for acquisitions, repositioning and time-sensitive closings.
$100K – $100MMultifamily, mixed-use, retail, office, industrial, self-storage, hospitality and land — if it produces income or holds value, we have a lane for it.
All Asset ClassesWhere the market is today on the two SBA programs we place most — updated as rates move.
6.97% 25-yr · 6.97% 20-yr · 6.60% 10-yr
Effective rate on the SBA/CDC portion at the October 2026 debenture sale, fixed for the life of the loan. The bank portion (50% of the project) is priced separately at market.
10.00% maximum on loans over $350,000
SBA caps 7(a) variable rates at WSJ Prime + 3.00%. With Prime at 7.00%, the ceiling on larger loans is 10.00% — your actual rate is negotiated with the lender and can price below the cap.
Prevailing rates as of October 2026, for illustration only — not a quote, offer, or commitment to lend. 504 effective rates include CDC, SBA and servicing fees. Rates change with the market; call for today's live pricing on your deal.
Private and non-QM capital for residential and mixed portfolios — available nationwide.
Qualify on the rent the property collects — not your tax returns. Options with no minimum DSCR and loans from $50K.
To 85% LTVA home-equity line built for investors, secured by your rental property's cash flow instead of your personal income.
Investor HELOCAcquisition plus rehab in one loan, drawn as work completes. Built for flippers who move fast.
To 90% LTC / 75% ARV · FICO 600+Financing for builders and developers, from lot acquisition through vertical construction.
To 85% LTCBuy before you sell — including structures where your departing home's payment isn't counted against you.
To 80% LTVFirst and second positions, interest-only options, and no-appraisal lanes when the deal matters more than the paperwork.
1st & 2nd PositionsBank, SBA and private funding for operating businesses.
7(a) and 504 financing through our SBA lender partners — working capital, expansion, business acquisition and real estate.
Up to $5M+Revolving credit your business can draw on as needed — approvals through our bank and private partners.
To $450KFinance the machines, vehicles and technology your business runs on, through our equipment-finance partners.
All IndustriesTurn open invoices into working capital instead of waiting 30–90 days to get paid.
Receivables-BasedStructured term funding for growth, buyouts and consolidation through our lender marketplace.
Flexible TermsRevenue-based funding that moves at the speed of your business — approvals in minutes and funding in as little as 2 hours for qualified files. Credit challenges considered; many approvals land with scores under 525.
Fast working capital based on your revenue, not your credit score. First-position advances for established businesses.
$40K – $5MAlready have an advance? Second through sixth positions available for businesses with the revenue to support them.
2nd – 6th PositionRoll multiple advances into one cleaner facility — including reverse-consolidation structures that improve daily cash flow.
One PaymentAdditional capital as you perform — renewals as early as 35% paid, with multiple concurrent lines for strong files.
Repeat AccessBehind every approval is a full operation — processing, underwriting support and closing coordination working your file daily, so your loan keeps moving while you keep building. One point of contact for you; a whole team behind it.
How it works
Five minutes: the property or the business, how much you need, and your timeline. No obligation, no hard credit pull to start the conversation.
Jorge takes your file to the right lenders and funders out of 130+ partners and brings back real options — structure, terms and costs side by side.
Pick your option and we drive it to the table — commercial closings in as little as 30 days, working capital in as little as 24–48 hours.
About
NEWLOANCO Commercial is the commercial and business-capital division of NEWLOANCO. A proud Christopher Columbus High School Explorer, Class of 1986, Jorge began his career in banking in 1987 with Amerifirst Savings and Loan, then went on to Centrust Savings Bank. He earned his finance degree from Florida International University (FIU), Class of 1992, and in 1994 he went out on his own — starting the business that evolved into NEWLOANCO. As CEO, Jorge has personally closed over $1 billion in loans — and brings that same borrower-first approach to commercial deals: one call, the whole market, honest numbers.
Residential home loans live at newloanco.com.
FAQ
No — we're brokers. That works in your favor: instead of one bank's yes or no, your file gets shopped across 130+ lender and funder partners competing for it.
Working capital can fund in 24–48 hours (sometimes the same day). Commercial real estate typically closes in 30–60 days depending on the program and property.
It depends on the lane: SBA and bank programs want stronger files; private and revenue-based programs regularly approve borrowers with scores in the 500s — some under 525.
No. Investor and commercial programs are available nationwide, and business capital partners fund across the U.S. Our office is in Brickell, Miami.
Nothing. The consultation and the options we bring back are free and carry no obligation — we're paid by the lender or funder when a deal closes.
Multifamily, mixed-use, retail, office, industrial, self-storage, hospitality, land, and 1–4 unit investment properties.
Commercial Insights
How commercial money actually works — SBA programs, investor loans, bridge capital, and working capital, explained from the broker side of the table.
The two SBA programs work very differently — rates, down payments, and best uses, with current prevailing rates.
Qualify on the property’s income, not yours. The one ratio that matters and the trade-offs, honestly.
When the right property won’t wait 90 days for a committee — what bridge capital costs and how the exit works.
The three ratios that decide your flip loan, how draws work, and the story that gets better pricing.
Lines of credit, term loans, and advances — an honest map of costs, speeds, and best uses.
A Florida owner’s playbook: 10%-down structures, the occupancy rule, and the math most owners miss.
Free · No obligation
Tell us about the deal and Jorge will reach out personally with your options.
Prefer to talk now? Call or text 305-962-1170 or email jr@newloanco.com.