COMMERCIAL LENDING | COMMERCIAL LOAN PROGRAMS

Royal Capital Group offers commercial mortgage financing solutions for stabilized commercial properties through our commercial loan programs outlined below:

SMALL BALANCE COMMERCIAL LENDING: $500,000 – $10,000,000 in all 50 States

Program ZB

RCG program ZB
Property Types:Tier One: Office (condo), Retail, Light Manufacturing, Industrial, Medical/Dental office, Mixed Use, Multi Unit Franchises

Tier Two: Auto Dealers, Light Automotive service shops, Tire & Brake Ctr, Funeral homes, Schools, Day

Tier Three: Assisted Living facilities, Grocery Stores, Restaurants, Oil / Lube Centers
Loan types:Purchase, Refinance, Cash Out Refinance, Expansion, New Locations
Max LTV:90% Owner Occupied Purchase or Refinance (SBA 504)

65% Conventional Purchase; Up to 90% CLTV (60% LTV for Tier Two & Three)

65% Conventional Refinance / 60% Cash out Refinance (Tier One)

60% Conventional Refinance / 60% Cash out Refinance (Tier Two)

60% Conventional Refinance / 55% Cash Out Refinance (Tier Three)
Loan Terms:20 to 25 years Fully Amortized
Min FICO:650
Available Programs:1,3, 5 & 10 year fixed rates, Quarterly Adjustable Rate

SBA 504 & Non – SBA Portfolio Loans
Program Features:No Balloon Payment

Referral Sources 100% protected

Flexible Underwriting – Quick closings

Simple Documentation

Rate locks available at no cost

No Origination Fee or points for qualified borrowers

* This program is reserved for performing commercial properties only.

Program EB

SMALL BALANCE COMMERCIAL LENDING: $500,000 – $4,000,000 in Florida and other Major markets across the USA

RCG program EB
ELIGIBLE PROPERTIES:Multifamily, Mixed Use, Retail, Office, Warehouse, Self storage (case by case basis), Light Industrial
INELIGIBLE PROPERTY TYPES:NO LAND or CONSTRUCTION LENDING
LOAN AMOUNT:$500,000 minimum – $3,000,000 maximum
MINIMUM DSCR:1.25x for multi Family / 1.30x for Commercial
MAXIMUM LTV:75% multifamily / 70% Commercial
LOAN TERM:3, 5, 7 & 10 year terms
AMORTIZATION 30 year Multifamily / 25 yr Commercial
LENDER FEE:Industry Competitive fees
CREDIT SCOREMin score required 680
REQUIRED REPORTS:Narrative MAI Appraisal + Limited Property Condition reports
PREPAYMENT:Generally declining
SUBORDINATE FINANCING:Mezzanine debt not allowed
OCCUPANCY:Owner Occupied & Investment
OTHERNo Interest only

Try us with your commercial loan requests at 786 269 4744 or email info@royalcapitalgroup.com.

Royal Capital Group

429 Lenox Avenue

Miami, FL 33139 - USA

Tel: 786.269.4744

Fax: 888.748.2719

Email: info@royalcapitalgroup.com