Small Balance Florida Commercial Hard & Private Money Call or TEXT 813.368.9919

Self-Employed Borrowers

Conventional bank underwriting policies do not favor self-employed commercial borrowers. They tend to focus on positive cash flow and the amount of debt owed by the individual, as well as a very high credit rating. Shop Commercial Mortgage’s investor pool does not look at those factors because their interest is in how much-accumulated equity exists in the borrower’s property. That equity is used to secure the loan, making the standard underwriting rules unnecessary. They will also review 24 months of your bank statements to understand how your business operates, but that is the extent of it.

Our program allows us to create loans to suit your needs with amounts as low as $25,000 and up to $5 million. We do not require upfront fees to get your money from Shop Commercial Mortgage. If you have equity accumulated in mixed-use property, multi-family dwelling, hotel, strip center, motel, marina, retail space, office building, or other commercial property we can get you money from that equity so you can put it to good use.

Equity-based lending offers us more flexibility than conventional lenders. Our investors prefer free and clear commercial properties but will consider low remaining balances for equity loans. We will review your bank statements, visit the property, and speak with you in person concerning your needs for an equity loan. We value the old-fashioned approach of getting to know our customers personally. Many of our investors will approve your loan without a property appraisal; if one is required that will be the only fee you will need to pay. This is far different from a conventional loan where you have to pay thousands for an appraisal upfront only to be denied later, resulting in you losing that appraisal fee with nothing to show for it.

If you are self-employed in Florida and have a free and clear commercial property with accumulated equity that you need for business expansion or renovations, contact Shop Commercial Mortgage today and discuss your needs with us. You can call or text us at 813-368-9919. Don’t wait, contact us today and get the money you need quickly and easily!

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    "I just closed a commercial loan in St. Petersburg. A 16 unit apartment complex for $100,000 at 11.5% interest. It was a free and clear equity driven low documentation refi with no appraisal so it closed fast!"

    Mikle / Broker


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