Stated Income Commercial Real Estate

StartingGateFinancial: Your trusted partner in navigating financial landscapes, offering tailored solutions and expertise to empower your journey towards fiscal success and stability.

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

Benefits of State Income Commercial Real Estate Loans

If your business holds valuable property but you have been turned down for loans due to past credit difficulties, a stated income commercial real estate loan may be the solution. This financing option looks at the value of your property and de-emphasizes your credit history, making it a great option for owners of apartment buildings, restaurants, warehouses, and other types of real estate. As long as the property’s value covers the cost of the loan insurance, mortgage, and taxes, you may be approved for the loan.

Benefits and Requirements

Applying for a stated income commercial real estate loan requires far less paperwork than applying for a traditional loan. As a result, applications are approved more quickly, and borrowers enjoy faster access to funds. The money you get from this loan could be used to consolidate or refinance existing debt, upgrade the property, buy new real estate, or increase working capital. Other benefits include:

If you have a credit score over 700, you may qualify for up to 75% LTV on mixed use and multifamily properties that have five or more units. You will need self-employment documentation or a W-2 form to complete the application. If approved, you may be able to close on the loan in less than three weeks.

Have Questions? Speak with a

Our Business Financing Advisors will help you find the best financing options for your business to get you more funding, better terms, and lower interest rates. We’re available to explain every step of the process from applications to your re-payment schedule!

Learn More

Contact Starting Gate Financial to learn more about our stated income commercial real estate loans. A member of our team will give you more details and help you determine whether this is the right loan for you. Call or fill out the online contact form and one of our representatives will be in touch.

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$5,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Testimonials

Our Clients Reviews

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"The unfortunate part was that it took me so long to find Starting Gate Financial. If I would have just called them first I wouldn’t have had to go through all the brain damage of trying to work with other companies. What a mess that was. Starting Gate Financial said “YES” day one, and it has been a joy ever since. I got over $30,000 in funding and it changed my business for the better, big time."

" First off, there was not ONE BANK that would even talk to me. I was about to give up, you know, throw in the towel. I thought that I had exhausted all my options until I called Starting Gate Financial. The friendly salesperson introduced me to their BOSS product and it literally saved me. I now am back on track and the future looks bright. Thank you Starting Gate Financial"

"What Starting Gate Financial offered me was light years ahead of any other company I was able to find. Starting Gate Financial's solution was to align me with three strategists to counsel me through all the areas of business finance, for literally less money than other companies wanted to just assist me with credit cards. It was a no brainer."