We know you work hard in your business, but we don't want you to have to work as hard to obtain a commercial mortgage loan.   That's why SmartCommercial  Funding®  provides a fast efficient process that closely mirrors the residential lending experience.   Our loan process entails three steps, and one of our Commercial Loan Specialists will guide you through each one.  We can deliver an initial pre-approval to you in 48-72 hours and get your loan closed in as little as 30-45 days.

First, a Commercial Loan Specialist will speak with you to understand your situation and specific borrowing needs.    With that information, we can determine the best loan solution for you.    Your Loan Specialist will then complete the initial application and submit it for underwriting review, often with little or no documentation from you.    Then, usually within 48-72 hours, we will give you a Conditional Approval Letter summarizing the loan terms, documents required for underwriting and for closing, and an estimate of the appraisal fee.    Once you are pre-approved, the loan can move immediately to Processing and Underwriting.

Unlike most lenders, we begin Processing and Underwriting simultaneously to help expedite your loan closing.  With your cooperation, these activities can happen within just 30-45 days.   Processing involves tasks such as ordering a property appraisal, ordering title, and collecting any additional required documents.   In Underwriting, the loan parameters are reviewed in detail and a thorough real estate and (when applicable) income analysis is conducted.   

Once you receive final approval, it will be time to close your loan!   We will coordinate with the closing agent to schedule a closing at a time and day that is convenient for you.   We will prepare all closing documents and send them to the closing agent.   Once the documents are signed, they will be sent back to us for review, and your funds will then be disbursed.  

It's that easy.  
We strive to make your experience with SmartCommercial   as  smooth and easy as possible.   Our stellar team of mortgage professionals will work with you every step of the way to see that your needs are met and your experience is exceptional.   We know that with our unique, flexible loan solutions, our streamlined process, and our residential-style underwrting, you will quickly see why SmartCommercial   is revolutionizing the commercial lending industry.