Non-DSCR Commercial Real Estate Financing

Commercial Loans – Large-Scale Financing for Serious Investors

Scale your commercial portfolio with FundNow Capital's large commercial loans. From office buildings to industrial warehouses, we provide flexible, institutional-backed financing for serious real estate investors.

Special Offer

We Waive the 0.5% Processing Fee

Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.

Commercial real estate requires capital at scale — and lenders who understand the complexity of large transactions. FundNow Capital specializes in commercial financing from $1M to $50M+, with flexible structures designed for investors who move fast and think big.

Whether you're acquiring stabilized assets, repositioning value-add properties, or building a portfolio, our non-DSCR commercial programs give you the leverage and flexibility you need without traditional income restrictions.

Why FundNow for Commercial Loans?

  • Loan amounts from 300K to $50M+
  • Nationwide commercial lending
  • Non-DSCR options for flexibility
  • Portfolio and blanket loan structures
  • Experienced commercial underwriting
  • Institutional backing for large deals
  • Bridge-to-permanent financing available
  • Dedicated commercial lending advisors

Loan Highlights

Program FeatureDetails
Loan Amounts$1,000,000 – $50,000,000+
LTVUp to 75% of property value
Term Length5–25 years
Closing Time30–45 days
Property TypesOffice, retail, industrial, multi-family, mixed-use
DocumentationFull documentation with financials
QualificationAsset-based, non-DSCR options available
Amortization15–30 year amortization schedules

Property Types We Finance

Office Buildings

Class A, B, and C office properties in urban and suburban markets.

Retail Centers

Shopping centers, strip malls, and single-tenant retail.

Industrial & Warehouse

Distribution centers, manufacturing facilities, and flex space.

Multi-Family (5+ units)

Apartment complexes, student housing, and senior living.

Mixed-Use

Combined residential, retail, and office developments.

Special Purpose

Hotels, self-storage, medical offices, and other specialized properties.

What is Non-DSCR Commercial Financing?

Traditional commercial loans require strict Debt Service Coverage Ratio (DSCR) calculations, which can limit financing options for transitional properties, new acquisitions, or value-add projects.

Non-DSCR commercial loans focus on asset value and borrower strength rather than current income performance. This gives investors more flexibility to:

  • Acquire underperforming properties with repositioning potential
  • Finance properties with short-term vacancy or lease-up periods
  • Leverage portfolio strength instead of individual property income
  • Close faster without extensive income documentation
  • Structure creative financing for complex deals

The Commercial Loan Process

1

Submit Property Details

Provide property info, financials, rent rolls, and acquisition strategy.

2

Underwriting & Due Diligence

We evaluate the asset, market, and your experience as a borrower.

3

Term Sheet & Approval

Receive competitive loan terms with clear pricing and structure.

4

Appraisal & Environmental

Complete third-party valuation and Phase I environmental assessment.

5

Close & Fund

Typical closings in 30-45 days with full legal and title clearance.

Who Should Use Commercial Loans?

  • Experienced commercial real estate investors
  • Private equity firms and syndicators
  • Family offices acquiring income-producing assets
  • Developers transitioning from construction to permanent financing
  • Portfolio owners consolidating multiple properties
  • Value-add investors repositioning commercial assets

Portfolio & Blanket Loan Options

Managing financing for multiple commercial properties can be complex and inefficient. FundNow Capital offers portfolio and blanket loan structures that:

  • Consolidate multiple properties under one loan
  • Optimize leverage across your entire portfolio
  • Simplify debt management and reporting
  • Reduce closing costs compared to individual loans
  • Provide cross-collateralization for stronger terms

Talk to our commercial lending team about portfolio financing options.

Nationwide Commercial Lending

FundNow Capital funds commercial real estate transactions in all 36 states. Whether you're investing in primary markets or emerging secondary cities, we have the capital and relationships to close your deal.

From $1M acquisitions to $50M+ portfolio purchases, we scale with your ambitions.

Institutional Backing, Personalized Service

Unlike traditional banks, we combine institutional capital with personalized service. You'll work directly with experienced commercial lending advisors who understand market dynamics, deal structure, and investor needs.

We're not just a lender — we're a strategic partner in your commercial real estate success.

What Our Clients Say

4.9 / 5

Based on 127 verified reviews

R
Richard M.
Multi-Family Syndicator
Indianapolis, IN

"Closed $4.2M on a 48-unit complex with non-DSCR terms. FundNow's commercial team understands value-add deals and moves fast."

Product: Commercial Loan
Amount: $4,200,000
P
Patricia H.
Retail Shopping Center Owner
San Antonio, TX

"Needed portfolio financing for 3 strip centers. FundNow structured a blanket loan that saved us 60 days and significant closing costs."

Product: Portfolio Loan
Amount: $7,500,000
J
James C.
Industrial Warehouse Investor
Pittsburgh, PA

"Acquired 85,000 sq ft distribution center with institutional backing arranged by FundNow. Professional execution from start to finish."

Product: Commercial Loan
Amount: $3,900,000
V
Victoria S.
Office Building Portfolio
Chicago, IL

"Refinanced 2 Class B office buildings at 30-year amortization. FundNow's commercial advisors know underwriting and capital markets."

Product: Commercial Refinance
Amount: $6,200,000

Ready to Apply?

Submit your commercial property details and receive financing options within 24–48 hours.

Start Commercial Loan Application

Frequently Asked Questions

Ready to Scale Your Commercial Portfolio?

Get flexible, large-scale commercial financing with non-DSCR options and expert support from FundNow Capital.

Apply Now