Commercial & SBA Financing

Own Your Building.
Stop Writing Rent Checks.

SBA 7(a), SBA 504, mixed-use, retail, industrial, warehouse, and alternative commercial lending. Fast loan scenarios for business owners and commercial real estate buyers.

SBA 7(a) SBA 504 Mixed-Use Retail Industrial Warehouse Automotive Hospitality Medical Office Restaurant
SBA
7(a) & 504 Programs
$5M+
Max Loan Size
Alt
Documentation Options
Loan Scenario Request
Commercial & SBA Inquiry
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Scenario Request Received

Our commercial lending team will review and contact you within one business hour with loan options and preliminary terms.

Confidential. No commitment. Fast response.

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SBA Approved Programs7(a) and 504 available
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Fast ScenariosReview within 1 business hour
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Alt DocumentationFlexible underwriting options
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Owner-User FriendlyBuy the building you operate in
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Large Loan AmountsUp to $5M+ on select programs
Loan Programs
Commercial Financing We Structure
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SBA 7(a)
Working capital, equipment, real estate, and business acquisition. Government-backed with flexible terms.
Up to $5M · 10–25 yr terms
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SBA 504
Fixed-rate financing for owner-occupied commercial real estate and major equipment purchases.
Up to $5.5M · Fixed rate
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Mixed-Use Properties
Retail-residential combinations, live-work spaces, and multi-tenanted mixed-use acquisitions.
Purchase & refinance
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Industrial & Warehouse
Manufacturing facilities, distribution centers, flex space, and light industrial properties.
Owner-user & investment
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Retail & Automotive
Strip centers, car washes, dealerships, service centers, and standalone retail.
Flexible structures
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Hospitality & Restaurant
Hotels, motels, QSR, full-service dining, and food & beverage real estate.
SBA & conventional
Investor Financing
Investor & Small Commercial Financing

Financing for real estate investors and small commercial owners looking to acquire, refinance, or leverage equity across a wide range of property types. Programs available up to $10M for qualifying borrowers and properties.

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Purchase, Refi & Cash-Out
Purchase, rate-term refinance, and cash-out refinance for qualifying investors and small commercial owners.
Up to $10M · select programs
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30-Year Fixed & Interest-Only
30-year fixed terms, interest-only options up to 10 years, and 24-month short-term interest-only programs.
Qualifying programs
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Portfolio & High-Equity Leverage
Acquisition financing and portfolio leverage for investors building or expanding a real estate portfolio.
Case-by-case underwriting
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Wide Property Type Menu
SFR investment, condos, townhomes, 2–4 units, multifamily 5+, mixed-use, office, retail, warehouse, self-storage, automotive, and other qualifying commercial property types.
Subject to program guidelines
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Entity & LLC Vesting
Close in an LLC or other qualifying entity on select investor and small commercial programs.
Select programs
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Second-Lien Equity Access
Access equity without disturbing your existing first mortgage on qualifying investor properties.
Select programs
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Alternative Credit Programs
High-Equity / Low-Credit Investor Financing

Separate from our standard DSCR and commercial programs, select wholesale programs offer alternative underwriting paths for qualifying borrowers with significant equity or a lower credit profile. These programs evaluate each scenario individually — they are not an automatic approval, and availability depends on the property, equity position, and overall transaction.

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High-Equity Exceptions
Select programs allow LTV exceptions as low as approximately 60% for qualifying high-equity, lower-credit scenarios.
Case-by-case · select programs
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Streamlined Underwriting
Alternative underwriting paths for qualifying borrowers whose credit profile doesn't fit conventional guidelines.
Subject to underwriting
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Residential, Multifamily & Commercial
Available across qualifying residential, multifamily, mixed-use, and commercial property types.
Qualifying properties
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Why Business Owners Choose Vortex

Commercial loans are complex. We simplify them — structuring the right program from SBA to conventional to alternative lending based on your actual situation, not a checklist.

Analyze My Opportunity
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    Fast Scenario ReviewsSubmit your deal and get preliminary loan options within 1 business hour.
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    Flexible StructuresWe match the financing structure to your deal — not the other way around.
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    Alternative DocumentationBank statement and non-traditional income options available for business owners.
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    Owner-User FinancingStop leasing. Buy your own building and build equity in the real estate you use.
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    Large Loan AmountsWe handle deals from $500K to $5M+ across commercial property types.

Ready to Own Your Property?

Submit your commercial scenario today. Our team reviews it within one business hour and comes back with real loan options — not a sales pitch.

Analyze My Opportunity → 📞 480.450.6771