Commercial Real Estate Lending

Designing, Structuring & Packaging Commercial Real Estate Loans to Fit Your Business

Most lenders ask your business to fit their box. We work the other direction — analyzing your property, cash flow, and objectives first, then structuring the capital around them.

Apply Now — Get Your Rate Estimate Get Your Free Assessment

No obligation. No impact to your credit to start the conversation.

Purchase · Refinance · Cash-OutAll three, structured to your exit strategy
NationwideCommercial lending across the U.S.
AI-Assisted AnalysisEvery file reviewed with data, not guesswork
Loan Programs

Three ways to structure your financing

Every borrower's documentation profile is different. These programs let us match the loan structure to what your business can actually demonstrate — not the other way around.

Program 01

NO-DOC

Loan amount
Up to $500K*
Income docs
Not required
Best for
Speed & simplicity

Qualification driven primarily by the property and equity position — designed for borrowers who need to move quickly without assembling a full financial package.

Program 02

LOW-DOC

Loan amount
Up to $1M*
Income docs
Streamlined
Best for
Larger deals, less paperwork

A middle path: reduced documentation with more borrowing power. A practical fit for self-employed owners and investors with strong assets but complex tax returns.

Program 03

SBA 504

Leverage
Up to 90% LTV*
Structure
Long-term, fixed-rate
Best for
Owner-occupied CRE

For owner-users buying or improving their own building — preserve working capital with as little as 10% down and lock in long-term fixed-rate debt on the SBA portion.

*Loan amounts, LTV figures, and program terms shown are projected estimates for illustration only — not offers, commitments, or guarantees of financing. Actual terms depend on full underwriting, including property type, borrower profile, debt service coverage, and prevailing market conditions. Programs subject to change and availability.

Why USIG

Advisory first. Placement second.

We're not a call center reselling one lender's product. We structure the deal, then package it to the capital source most likely to say yes on the terms you need.

Flexible terms

Purchase, refinance, or cash-out — we shape amortization, prepayment, and leverage around your hold period and exit strategy, not a lender's template.

Fast closings

Streamlined documentation programs and pre-packaged submissions mean fewer back-and-forth requests and shorter paths from application to funding.

AI-assisted deal analysis

Every file is run through our proprietary analysis tools — evaluating cash flow, coverage, and lender fit before submission, so we present your deal where it's strongest.

Nationwide commercial lending

Warehouse, office, retail, multifamily, mixed-use, and land — with lending relationships that reach across the country, not just one region.

Free Assessment

Tell us about your property. We'll tell you how we'd structure it.

Within one business day, you'll hear back with a candid read on your scenario:

  • Which program fits your documentation profile
  • A projected leverage and loan-amount range
  • What (if anything) would strengthen your file
  • A straight answer if we're not the right fit

Ready to move now? Skip ahead and complete the full application →

Thank you — your assessment request has been received. We'll reach out within one business day. For anything urgent, call (310) 424-8338.

By submitting, you agree to be contacted by USIG about your request by phone, email, or text. Submitting this form does not obligate you to anything and does not affect your credit.

Common Questions

Straight answers before you apply

What loan-to-value (LTV) can I expect?
It depends on the program and property. As a projected range: NO-DOC and LOW-DOC programs typically land at moderate leverage driven by the property's equity and cash flow, while SBA 504 can reach up to 90% LTV for qualifying owner-occupied properties. Your actual LTV is determined in underwriting — the free assessment gives you a realistic range for your specific scenario.
How fast can a loan close?
Streamlined-documentation loans generally move fastest, since there's less paperwork to gather and verify — often a matter of weeks rather than months. SBA 504 loans involve a second lender (a CDC) and take longer. Timelines are estimates and vary with title, appraisal, and third-party report turnaround, but we'll give you a realistic schedule up front and flag anything that could slow it down.
What documents will I need?
For NO-DOC: typically identification, entity documents, and property information — no tax returns or income statements. For LOW-DOC: a streamlined package such as bank statements and a personal financial statement. For SBA 504: a fuller package including business financials and tax returns. We provide a one-page checklist for whichever program fits you, so there are no surprise requests mid-process.
Which states do you lend in?
USIG arranges commercial real estate financing nationwide. Our home base and deepest market knowledge is California, but our lending relationships extend across the United States. Program availability can vary by state and property type — we'll confirm eligibility for your specific location during the assessment.
What property types qualify?
Warehouse and industrial, office, retail, multifamily, mixed-use, and land. Owner-occupied and investment properties are both considered, though the best-fit program differs: SBA 504, for example, is specifically for owner-occupied commercial real estate, while NO-DOC and LOW-DOC programs often suit investors.
Will requesting an assessment affect my credit?
No. The free assessment is a conversation and a structural review — not a loan application. We don't pull credit to give you our initial read. A credit review happens only later, if and when you decide to move forward with a formal application.