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Dreams Happen.



Buy | Refinance | Equity

Our flexible financing lets you buy, build, expand and remodel—you can even refinance and get cash out.

Who are small-balance commercial loans for?


Small-balance commercial loans are ideal for your clients looking to invest in commercial real estate, or small business owners who are interested in purchasing or refinancing a property.

Borrowers should have strong credit and personal financial strength to qualify for the best rates.

We also have a flexible “light doc” program for self-employed borrowers or other investors whose tax returns do not fully represent their credit status or net worth. While rates are higher than traditional bank rates, they are lower than those of hard money lenders.

What’s special about the Stewards of Capital's small-balance commercial loan program?


Our program covers commercial mortgages from $250,000 up to $2 million. Some of the exciting features of our loan program include:

  • LTV up to 80%

  • Owner-occupied or investment properties

  • Long terms and amortizations (up to 30 years!)

  • Cash-out OK

  • 48-hour pre-approvals

  • Multiple prepayment premium options

  • 650 credit score minimum require

What property types are eligible?


Our small-balance commercial loan program covers a wide variety of properties, including:

  • Multifamily

  • Mixed-use residential/commercial

  • Office

  • Retail

  • Self-storage

  • Light industrial

  • Warehouse

  • Automotive

  • Mobile home parks

  • Restaurants

  • Daycare

  • Bars

  • Restaurants

For more information


See our program guidelines, or call the Stewards of Capital Commercial team at 888-913-8893



•    Small Balance Commercial Programs Flyer

Other Resources

•    Small-Balance Commercial Loan Application
•    Small-Balance Commercial Loan Supplement Form
•    Personal Financial Statement
•    Property Operating Statement
•    Rent Roll – Commercial
•    Rent Roll – Multifamily
•    Borrowing Entity Vesting Map
•    CapEx Breakdown Schedule
•    Debt Schedule
•    Request for Verification of Rent/Mortgage


Small Business Administration (SBA) Financing


At Stewards of Capital Bank we work directly with the CDC to determine which SBA guaranteed loan may be right for your business. SBA 504 (suitable for commercial real estate loans of $350,000 and above), SBA 7A and SBA Express programs generally provide you with lower down payments and longer financing terms.


Learn more about SBA Loans >

If you would like to obtain information about Stewards of Capital & Co.’s products and services please call (877) 445-3019 / (305) 448-5550 or visit:  Loan approvals are subject to credit approval and program guidelines.  Not all loan programs are available for all loan amounts.  Interest rates and program terms are subject to change without notice.  Mortgage and Home Equity loans products are offered by Stewards of Capital & Co., NMLS Org ID# 383954

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