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Gloven Capital delivers commercial & investor lending built for speed, certainty, and scale. Whether you need CRE financing, a commercial mortgage refinance, DSCR loans to grow a rental portfolio, or bridge loans to win a competitive deal, our nationwide platform streamlines approvals and closings so you can move first—and finish strong.
Why Choose G.P.
Speed, Certainty & Nationwide Coverage
In competitive markets, timing and reliability decide winners. We prioritizes rapid pre-qualification, clear term sheets, and predictable execution across all states—so your commercial & investor lending strategy stays on schedule from offer to close.
Tailored Programs for Investors and Businesses
No two deals are the same. We shape CRE financing around your business plan and the asset’s fundamentals—LTV/LTC, amortization, interest-only options, and DSCR targets—to maximize cash flow and support durable returns.
Our 7 Core Programs
1) CRE Financing & Commercial Mortgage Refinance
Acquire, build, or improve office, industrial, retail, hospitality, and mixed-use properties with CRE financing tailored to the asset, market, and sponsor strength. Refinance to optimize rates, extend term, or unlock cash-out while improving debt service coverage (DSCR). Fixed or floating, 5–25-year terms, and non-recourse options when metrics qualify.
2) DSCR Loans for Rental Investors
DSCR loans focus on the property’s cash flow—not personal W-2 income—making them ideal for rental properties (1–4 units) and multifamily. We underwrite rent rolls, occupancy, NOI, and reserves to align payment structure with your buy-and-hold strategy or cash-out goals.
3) Bridge Loans for Value-Add & Fast Closings
When timing or repositioning matters most, bridge loans give you decisive leverage to acquire, stabilize, and exit into long-term CRE financing. We align LTC, interest-only periods, points, and the exit plan so your transition is smooth and on budget.
4) Hard Money (When Speed Is Everything)
Certain opportunities demand ultra-fast closings or flexible collateral structures. Hard money provides short-term liquidity to secure the asset, complete light rehab, or solve a time-sensitive situation—then refinance into permanent commercial & investor lending once stabilized.
5) SBA 7(a) & 504 for Owner-Occupied Properties
For owner-users, SBA 7(a) and SBA 504 can lower down payments and improve terms for purchase, construction, or improvement. Our team coordinates with banks and CDCs, streamlines eligibility, and manages the package all the way to closing. Learn more about SBA programs at the U.S. Small Business Administration.
6) Multifamily & Apartment Loans
From small-balance to larger portfolios, we finance acquisition and refi with a focus on market strength, occupancy, DSCR, and the cap-ex plan. Options range from agency-style structures to private capital depending on asset profile and timeline.
7) Working Capital & Lines of Credit (Complementary)
Beyond real estate, many investors and businesses benefit from working capital for operations, marketing, or inventory. We help align credit lines with your project pipeline so your commercial & investor lending strategy remains liquid and resilient.
How Our Commercial & Investor Lending Process Works
Pre-Qualification & DSCR/Underwriting
- Discovery call to define objective (acquisition, commercial mortgage refinance, cash-out, construction).
- Preliminary review of rent roll/leases, T-12, credit, DSCR, and business entity.
- Indicative term sheet with rate, term, LTV/LTC, fees, and timeline.
Term Sheet, Appraisal & Closing Timeline
- Diligence: appraisal, environmental (as applicable), income verification, insurance, and legal.
- Approval & Documents: clear requirements and proactive communication.
- Closing: coordinated with title/escrow; bridge loans may close in weeks; SBA/CRE financing typically 30–60 days depending on complexity.
Cross-Division Synergy That Accelerates Closings
Glovenco’s ecosystem multiplies results. Gloven Capital partners with Gloven Money (treasury & finance) and Gloven Realty (deal origination) to deliver better data, faster underwriting, and accelerated closings—a real edge for investors and owner-users.
- Internal link to Gloven Money (finance advisory).
- Internal link to Gloven Realty (search & acquisition).
FAQs
DSCR vs Conventional—Which Fits My Strategy?
DSCR loans emphasize property cash flow; conventional loans weigh personal income more heavily. For scaling rentals, DSCR often wins on flexibility and speed.
Bridge Loan vs Hard Money—Key Differences
A bridge loan focuses on transitional financing toward stabilization; hard money is typically shorter-term and higher-cost for urgent scenarios. We structure both with a clear exit into long-term CRE financing.
Required Documents
ID, entity documents, credit report, PFS, rent roll & leases, T-12/NOI, appraisal, insurance, and for SBA 7(a)/504, program-specific forms.
Get Funded with Us (CTA)
Ready for fast, flexible commercial & investor lending?
Apply Now | Refinance | Investor Lending
Call (305) 890-9000 or visit GlovenCapital.com for nationwide support.