
SECURED BUSINESS LOANS
for Residential & Commercial Real Estate
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The Secured Business Loan program is designed specifically for small business owners (including startups) and real estate investors. By allowing the use of both residential and commercial properties as collateral, we present a unique opportunity to access capital with ease and confidence. The secured business loan program stands out by eliminating traditional barriers to funding: there's no requirement for a minimum operational history of your business, no need for income documentation or verification, and we welcome applicants with credit scores starting from 500. Below you'll find comprehensive details about qualifying criteria, our expansive lending area, and the streamlined application process. Discover how our Secured Business Loans can serve as the foundation for your growth and success in an ever-evolving market.
No income verification
No minimum time in business
Approval in 24-48 hours
Residential & Commercial
$75,000 - $6,000,000
Most states eligible

How it works
Apply online
We'll review your business funding scenario and provide an instant decision if you're pre-qualified. There is no credit check, no cost, and no obligation to pre-qualify.
Funding approval
Once you've selected the terms that best align with your business goals, your Loan Officer will submit your application for funding with lightning fast approvals.

SECURED BUSINESS LOAN: Residential
Single Family, Condo, Townhouse, Multifamily (2-4 Units)

Most property types accepted

No income verification!

Up to $3,000,000
The Secured Business Loan program for residential real estate is ideal for those who plan on holding an investment property for the foreseeable future since it comes with a stable, fully-amortized, 30-year term. It's also important to note that this secured business loan program has a minimum credit score requirement of 500 or greater; if your score is lower, no worries, we recommend you check out the Bridge Loan program since there is no minimum credit score requirement.
The Secured Business Loan for residential real estate program also has additional benefits such as the ability to minimize your prepayment penalty, flexible underwriting guidelines, and monthly principal & interest payments which helps decrease your loan balance each and every month. Like all of our loan programs, applying for a Secured Business Loan does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation.
ELIGIBLE PROPERTY TYPES: Single Family, Condo, Townhouse, 2-4 Units
* if your property is zoned commercial click here
$75,000
$3,000,000
75%
Minimum Loan
Maximum Loan
Maximum LTV
500+
No Minimum
Credit Score
Time In Business
No Minimum
Monthly Revenue
7.62% +
30-Years
Rates
Terms
Monthly
Payments
Lending Territory: Residential Investment

Approved States
Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Indiana
Illinois
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
Missouri
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
General guidelines for the Residential Secured Business Loan program:
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Property must be a non-owner occupied investment property with lease agreements in place, and/or a short-term rental (Airbnb, VRBO, etc) with a verifiable rental history. If vacant, check out the Bridge Loan program as an alternative.
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Duplexes must be fully occupied. 3-units must be fully occupied. 4-units must have a least three units rented. If the property does not meet this occupancy rate please refer to the Bridge Loan program as a viable alternative.
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All funds must be used for business-related purposes and not for consumer or household use.
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Residential investment properties located in Connecticut or Maryland are limited to 50% Loan-to-Value (LTV). If your loan scenario requires more than 50% LTV click here for additional loan options.
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Borrowers with a credit score between 600-649 are capped at 60% LTV.
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First-time investors are limited to a maximum 70% LTV.
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First-time buyers (first time ever purchasing a property) are limited to a maximum 70% LTV. First-time buyers are ineligible from purchasing single-unit investment properties and are only eligible for 2-4 unit properties. If you are a first-time buyer looking to purchase a single-unit property please click here for additional loan options.
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While we fund properties in a variety of locations, rural properties are not eligible. If a property is outside of a major metro area, it may still qualify as long as it is not classified as rural, and may be subject to population requirements.
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Foreign investors are limited to a maximum 65% LTV.
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All loans are subject to underwriting approval. The guidelines listed above do not include all underwriting parameters and additional underwriting guidelines will apply. Please consult with your Loan Officer for questions relating to specific qualifying factors.

SECURED BUSINESS LOAN: Commercial
Multifamily (5+ units), Mixed-Use, Office, Retail, Warehouse, Self-Storage

Most property types accepted

No income verification!

Up to $6,000,000
The Secured Business Loan program using commercial real estate as collateral is ideal for both business owners and real estate investors. This loan program is designed for those who plan on holding a commercial property for the foreseeable future since it comes with a stable, fully-amortized, 30-year term. It's also important to note that this secured business loan program has a minimum credit score requirement of 500 or greater; if your score is lower, no worries, we recommend you check out the Bridge Loan program since there is no minimum credit score requirement.
The Secured Business Loan has additional benefits such as flexible underwriting guidelines, fixed monthly principal & interest payments which helps decrease your loan balance each and every month, and the ability to minimize your prepayment penalty. Like all of our loan programs, applying for a Secured Business Loan does not have a minimum time in business requirement, no minimum monthly revenue, and absolutely zero income documentation.
ELIGIBLE PROPERTY TYPES: Multifamily (5+ units), Mixed-Use, Office, Retail, Warehouse, Self-Storage
* if your property is zoned residential click here
$250,000
$6,000,000
75%
Minimum Loan
Maximum Loan
Maximum LTV
500+
No Minimum
Credit Score
Time In Business
No Minimum
Monthly Revenue
8.49% +
30-Years
Rates
Terms
Monthly
Payments
Lending Territory: Commercial

Approved States
Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Indiana
Illinois
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
Missouri
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Ready for your Loan Quote?
Pre-Approval will not impact credit.
General guidelines for the Commercial Secured Business Loan program:
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There is no debt-service ratio (DSCR) for loan amounts under $750,000.
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Minimum 70% occupancy rate. If less, check out the Bridge Loan program.
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Commercial properties located in Connecticut or Maryland are limited to 50% Loan-to-Value (LTV). If your loan scenario requires more than 50% LTV click here for additional loan options.
-
Borrowers with a credit score between 600-649 are capped at 60% LTV.
-
First-time real estate investors who are purchasing a property are limited to a maximum 70% LTV for Multifamily and Mixed-Use, and 65% LTV for Office, Retail, and Self-Storage.
-
While we fund properties in a variety of locations, rural properties are not eligible. If a property is outside of a major metro area, it may still qualify as long as it is not classified as rural, and may be subject to population requirements.
-
First-time buyers (if this is your first time ever purchasing a property of any type) are limited to a maximum 70% LTV. First-time buyers are also ineligible from single-family investment properties, including condos, and are limited to 2-4 unit properties. If you are a first-time buyer looking to purchase a single-family property please click here for additional loan options.
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Foreign investors are limited to a maximum 65% LTV.
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As of 2/10/25, all commercial properties located in Illinois and Michigan are strictly evaluated on a case-by-case basis.
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All loans are subject to underwriting approval. The additional details listed above do not include all underwriting parameters and additional underwriting guidelines will apply. Please consult with your Loan Officer for questions relating to specific qualifying factors.
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What credit score is required for a stated income loan?Options are available for applicants seeking no minimum credit score, and it will depend on the loan-to-value (LTV) ratio and property type. There is no minimum credit score required if the LTV is 50% or less. For LTVs between 50.01% and 60%, a minimum credit score of 600 is needed. If the LTV exceeds 60%, a credit score of 650 is required.
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What types of commercial properties are eligible for stated income loans?Commercial: multifamily (5+ units), mixed-use buildings, office spaces, retail properties, warehouses, and self-storage facilities.
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What does “stated income” mean?Stated income loans allow borrowers to qualify without providing traditional income verification documents.
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What is the minimum loan amount for stated income loans?For commercial real estate there is $250,000 minimum loan amount. For residential investment properties we have a $75,000 minimum loan amount.
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What loan terms are available?Loan terms can be up to 30 years, with both fixed rate and interest-only rate options.
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Is there a maximum loan amount for stated income loans?The maximum loan amount is $6,000,000 for commercial real estate.
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What is the loan-to-value (LTV) ratio for stated income loans?The maximum LTV is 75%. The maximum combined loan-to-value (CLTV) is 90%, which only applies if you have, or will have, a second mortgage.
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Do you have a minimum occupancy rate?Yes, at least 70% of the units must be rented. For example, a 20-unit multifamily building would require at least 14-units (70%) to be currently rented to tenants.
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What documents are required to apply?We offer light documentation. Standard documents include a completed loan application, photo ID, proof of property insurance, and lease agreement(s). Additional documentation may be required depending on the specifics of your scenario.
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Are stated income loans available for self-employed individuals?Yes, self-employed individuals often benefit from this program since no tax returns are needed.
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How long does it take to get approved?Approvals can be issued within 48 hours, with funding timelines varying based on loan conditions.
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Can I use a stated income loan for commercial properties?Yes, these loans are a great option to finance commercial properties. Fixed rates allow for stability and predictable cash flow.
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Are there prepayment penalties?Prepayment penalties may apply depending on the loan terms.
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What industries are eligible for stated income loans?Any borrower meeting the credit and property requirements can qualify, regardless of industry.
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Can I refinance with a stated income loan?Yes, stated income loans can be used for refinancing.
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Do stated income loans require a down payment?Yes, down payment requirements vary based on the LTV and credit score.
Quick Quote: Secured Business Loan
We understand the importance of making informed financial decisions, which is why we offer an instant decision on your pre-approval, ensuring you're not left waiting. Our process is designed with your peace of mind as a priority: there's absolutely no risk, no obligation to proceed, and, most importantly, it will not impact your credit score in any way.
We've tailored our pre-approval form to be as straightforward and user-friendly as possible, allowing you to explore your options without any pressure or commitment. This no-strings-attached approach empowers you to make the best decision for your financial needs and future, on your terms. Whether you're looking to manage cash flow, invest in new opportunities, or simply need a financial safety net, GreenBridge Loans is here to provide the clarity and confidence you need to move forward.