Commercial
SBA Express
Unlock your business potential with the SBA Express loan from CMRE. This streamlined commercial loan program offers expedited processing and flexible terms to help you secure the funding you need quickly. With competitive rates starting at 8.5%, the SBA Express loan can fuel your business growth.
Program Benefits
Fast and efficient loan processing for quick access to capital.
Competitive interest rates, starting at 8.5%, to minimize borrowing costs.
Lower down payment requirements compared to traditional commercial loans.
Flexible repayment terms to fit your business's cash flow.
Government guarantee reduces risk for lenders, increasing approval chances.
Use funds for a wide range of business purposes, including working capital, equipment, and real estate.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$50K - $500K
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Warehouses
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Demonstrate a consistent revenue stream sufficient to cover loan payments.
- •Provide detailed financial statements, including profit and loss statements and balance sheets.
- •Show a positive trend in revenue and profitability over the past few years.
- •Submit tax returns for the business and all principals.
Asset Verification
- •List all business assets, including cash, accounts receivable, inventory, and equipment.
- •Provide documentation to verify the value and ownership of all assets.
- •Demonstrate sufficient collateral to secure the loan, if required.
- •Include any personal assets that may be used as additional security.
Insurance & Title
- •Maintain adequate business insurance coverage, including general liability, property, and workers' compensation.
- •Provide proof of insurance coverage to the lender.
- •Ensure that the insurance policies meet the lender's requirements for coverage amounts and endorsements.
- •Maintain life insurance on key personnel, if required by the lender.
Property Requirements
- •Maintain a minimum FICO score of 640 or higher.
- •Demonstrate a history of responsible credit management with on-time payments.
- •Provide a detailed credit report for the business and all principals.
- •Address any past credit issues, such as bankruptcies or foreclosures, with a written explanation.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
SBA Express loan funds can be used for a variety of business purposes, including working capital, equipment purchases, real estate acquisitions, leasehold improvements, and debt refinancing.
The SBA Express loan program is designed for faster processing. Approval times can vary depending on the lender and the complexity of the application, but typically range from a few weeks to a month.
The maximum loan amount for an SBA Express loan is typically $500,000, but can vary based on lender and borrower qualifications.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
