Commercial Real Estate Loans - First Community Capital

Commercial Real Estate & Business Growth

Loan Amount: $500K – $10M

In partnership with lending partners, this funding supports commercial real estate purchase, investment, development, refinancing (conventional, SBA 7(a), and 504), and working capital.

SBA 7(A)

Lightning Fast Closings
LTVs up to 95%
25-Year Fully Amortized
Loans Up to $5M 1st TD
51% Owner-User Minimum
Nationwide
Purchase, Ref inance, Working Capital

PROPERTY TYPES
(Office, Industrial, Retail, Special Use Properties)

SBA 504

Speed Is The Name of Our Game
Loans Up to $10M 1st TD (60% Max LTV)
Access to Alt. & Sec. Market Options as High as $18M
Loans Up to $5.5M 2nd TD (93% Max CLTV)
Fixed Rates available
Nationwide
Purchase and Ref inance

PROPERTY TYPES
(Office, Industrial, Retail)

CONVENTIONAL

We’ll Beat Everyone to the Closing
Loans Up to $10M
Up to 70% LTV
Non-SBA
Fixed Rates Available
Nationwide
Purchase, Ref inance, Cash-Out

PROPERTY TYPES
(Office, Industrial, Retail)

Common Uses

Property Acquisition: Purchase commercial buildings or land.
Development: Fund construction or major renovations.
Refinancing: Improve loan terms or access equity.
Expansion: Add new facilities or extend existing ones.
Tenant Improvements: Customize spaces for tenants.
Portfolio Diversification: Invest across property types or locations.
Working Capital: Support ongoing business operations and growth.

Features

Competitive Rates
Community-Based Underwriting

Eligibility & Terms

Collateral Required: Secured by real estate
Interest Rate: Competitive, business-specific.
Credit Score: 680 minimum.
Use of Funds: Commercial real estate investments.

Required Documents

Intake Form & Loan Application
Personal & Business Financial Statements
Business & Personal Tax Returns (3 years)
Bank Statements (last 3 months)
Employer Identification Number (EIN)

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Ensure all documents are clear and up-to-date for a smooth review process.

Basic Information

Your Name *

Purpose *

Email Address *

Loan Amount

Exact Loan Amount *

Business Information

Legal Business Name *

Business Phone *

Date in Business *

Percent of Ownership *

Address *

City *

State *

Zip Code *

Financial Information

Annual Gross Revenue

Net Profit Last Year (Before Taxes)

Terms and Conditions *

As an authorized representative I submit this pre-application for a loan to First Community Capital. I authorize First Community Capital to make inquiries as necessary to verify the accuracy of the statements, and should be required; I will provide additional information to determine the creditworthiness of the individual owners listed above.

First Community Capital is an Equal Opportunity Lender. We do not discriminate on the basis of race, color, religion, sex, marital status, disability, age, or national origin.

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FAQ

What is the Commercial Real Estate Loan Application Process?

Commercial real estate loans are designed to fund the purchase, development, or refurbishment of income-producing properties. These loans are typically used by investors, developers, and business owners looking to expand their real estate portfolios.

Step	Description
Initial Inquiry and Pre-Qualification	Loan Inquiry: Begin by discussing your financing needs and project details with a lender. This step involves outlining the property type, location, intended use, and your investment plan. Pre-Qualification: The lender may offer a preliminary assessment to determine if you meet the basic financial criteria for funding.
Formal Application Submission	Complete Application: Fill out the lender’s application form, providing detailed information about your business and the real estate project. This includes the purchase price, expected renovations, projected income from the property, and your investment strategy.
Due Diligence and Property Evaluation	Property Appraisal: An appraisal will be conducted to determine the property’s market value and ensure it supports the loan amount. Property Inspection:A thorough inspection to assess the condition of the property and identify any potential issues or required repairs. Environmental Assessment: Depending on the property type and location, an environmental assessment might be required to identify potential environmental hazards.
Financial Review	Financial Analysis: The lender reviews your financial statements, credit history, and the financial viability of the property (e.g., cash flow, occupancy rates, tenant leases). Risk Assessment: Evaluate risks such as market volatility, property location, and borrower’s financial stability.
Loan Approval and Terms Negotiation	Approval Process: If the lender is satisfied with the due diligence results and financial assessments, they will issue a loan approval. Terms Negotiation: Discuss and agree upon the loan terms, including interest rate, amortization schedule, and loan-to-value ratio.
Closing	Document Preparation and Signing: Legal documents are prepared and reviewed, detailing all the terms of the loan. Fund Disbursement: Upon signing, the loan funds are released, typically to an escrow account initially, to fund the real estate transaction.

Prepare Your Documents

Business and Personal Financial Statements
Tax Returns for the past two to three years (business and personal)
Property Financials (if applicable), including current leases, income statements, and operating expenses
Business Plan or Executive Summary for the project
Bank Statements
Credit Report
Property Appraisal and Inspection Reports
Environmental Assessment Reports (if required)
Proof of Down Payment or Equity Investment
Legal Documents related to the property (title documents, zoning compliance, etc.)

(951) 631-9823 - info@fccbi.org

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