Stated Income Commercial Real Estate

Grow Your Business With Flexible Financing

Securing an avenue of financing that will allow you to grow your company in a variety of ways is a wonderful way to set your company up for a successful future. A stated income commercial real estate loan is an alternative source of financing that can be used in any way you deem fit to enrich your business. Graystone Commercial Capital is proud to offer this avenue of financing to companies of all types and sizes.

What Is a Stated Income Loan?

A stated income loan is an alternative to traditional financing that focuses on property value rather than credit history to determine eligibility. If your company owns any type of property with a value greater than the cost of its expenses, it qualifies for a stated income loan. This approval process makes stated income loans easier to qualify for, and because they do not require a lot of documentation, they are often approved more quickly than other types of financing. Although this type of loan can be beneficial for any type of business, it is ideal for startups and companies that are struggling financially.

What Are the Advantages of a Stated Income Loan?

While flexibility is the primary benefit of stated income loans, Graystone Commercial Capital offers numerous other advantages with this avenue of financing. Not only can you use the money you receive in any way to grow your company, but if your credit score is greater than 600, you will also qualify for the following advantages.

  • 75% LTV for mixed-family properties
  • 70% LTV for owner-occupied and investment properties
  • 65% LTV for commercial properties
  • W-2 and self-employment documentation
  • Fixed rates
  • 25-year terms
  • Loans of up to $500,000

Contact us today!