We make commercial loans easier to access.

Important Terms

Loan-to-Value (LTV)

This is a ratio that describes the size of the loan that you take out compared to the value of your property.

Operating Statement

It is also known as “Income Statement.” An operating statement summarizes your revenues and expenses throughout the entire reporting period.

Rent Rolls

This is a documentation that states which person is paying for what in a specific property. This can be business tenants in an industrial property or tenants in a multifamily property.

Debt Service Coverage Ratio (DSCR)

It is also known as the “Debt Coverage Ratio (DCR)”. The debt service coverage ratio is the ratio of cash that is available for debt servicing to lease, principal, and interest payments.

There is nothing business owners love more than the chance to be able to grow and expand their business. LEY Capital offers a grade-A commercial loan product to ensure that clients are able to afford the expenditures required to develop their business operations. We’re experienced when it comes to helping a variety of businesses in the industry and have the expertise to ensure that yours gets the right kind of support.

What are “small-balance” commercial loans? What are its benefits?

A “small-balance” commercial loan is a kind of loan that is provided for commercial properties. Higher balance commercial loans often have strict underwriting requirements; however, small-balance commercial loans are somewhat easier to obtain due to a streamlined underwriting process. Small-balance commercial loans also come with less strict requirements and borrowers have more packages and products to choose from.

Three main factors are considered for a small-balance commercial loan. These factors are used to match your needs with the different loan options available. The factors that we consider are:

  • The property’s cash flow
  • The property’s state and type
  • The borrowers’ financial experience and capability

Some of its benefits include:

  • Flexible underwriting guidelines
  • Low-doc submissions
  • Higher commissions
  • Quicker closings
  • Loans up to $50,000 to $50,000,000

Questions?

To talk to one of our financial consultants, give us a call at 866-990-8640.