全美最专业华人商业贷款解决方案

没问题。我们专注于帮助那些不符合传统银行要求的企业和投资者。我们拥有私人贷款机构、另类融资合作伙伴和机构投资者组成的网络，即使在银行拒绝的情况下，我们也能找到富有创意的融资解决方案。

传统抵押贷款通常用于个人购房，而商业房地产贷款则用于投资房产、租赁单元和商业建筑。商业贷款通常具有不同的结构、要求和更快的审批时间。

我们不直接提供传统的抵押贷款，但可以帮助您与我们的抵押贷款合作伙伴建立联系，获得具有竞争力的利率。

虽然要求因贷款类型而异，但我们通常会考虑：

• 营业时间——商业贷款至少 6 个月（初创企业仍可能符合条件）。

• 收入——某些贷款可能要求最低月收入。

• 信用评分– 我们支持所有信用类型，即使您的信用记录不佳。核心评分高于 650 分，是申请的理想选择。

• 抵押品——有些贷款需要抵押品，但我们也提供无担保的选择。

贷款条款和利率取决于融资类型、借款人资格以及贷款机构的要求。我们提供：

• 贷款金额从30,000 美元到 1 亿美元以上

• 期限从3个月到30年不等

• 具有竞争力的利率，通常低于其他贷款机构

• 快速批准，有时24 小时内即可获得批准

We are built for speed. Once your file is complete, many fix-and-flip loans can move through review quickly and close in a short timeframe. Fast, clean documentation helps the process move even faster.

We offer financing for fix-and-flip projects, DSCR loans, bridge loans, ground-up construction, portfolio loans, and commercial mortgages. We also help with rental properties, short-term rentals, and investor deals that need fast, flexible capital.

A DSCR loan is based on the property’s income, not your personal tax returns. It is a strong fit for rental property investors, short-term rental owners, and buyers who want to qualify using deal performance instead of traditional income verification.

Yes. We work with borrowers who do not want to provide tax returns or who do not qualify through traditional income verification. In many cases, we can review the property, the deal, and your overall profile instead.

A bridge loan is short-term financing used to move quickly on a property or business opportunity. It can help you acquire, stabilize, renovate, or refinance a deal before longer-term financing is in place. These loans are common when speed matters or when a traditional bank is not the right fit.

Most deals start with a basic application, property details, and information about the project or business purpose. Depending on the loan, we may also ask for a purchase contract, rent roll, rehab budget, photos, bank statements, entity documents, or an exit strategy. The faster you provide clean documentation, the faster we can review the file.

We lend across the United States, not just in Houston or Texas. Our programs are designed for investors and business owners in major metro areas and many other markets nationwide. If you have a deal outside Texas, request a quote and we will review it.

Yes, in many cases we can still review your deal. Credit is only one part of the file. We also look at the property, equity, cash flow, experience, and exit strategy. Some programs are more flexible than traditional bank loans, including options for borrowers with low or limited credit.

We believe in transparent lending. Any prepayment terms, origination charges, and other loan costs depend on the specific program and deal structure, and they are disclosed before closing. If you want full pricing, request a quote and we will walk you through the numbers clearly.