Welcome

We’re passionate about offering small balance commercial real estate loans. Small business owners and investors nationwide utilize small commercial properties to support and operate their businesses. We firmly believe in these types of assets and have developed financing solutions tailored for commercial real estate loans that help entrepreneurs realize their vision of real estate ownership. 

Whether you’re an experienced commercial mortgage broker or considering providing small balance commercial real estate loans for the first time, it’s crucial to understand how the type of property financed can influence the terms of commercial loans. 

From a lender's viewpoint, commercial buildings with a general use capacity—such as retail spaces, warehouses, or office buildings—are typically easier to finance than properties designed for specialized purposes (like a bowling alley, bank, or manufacturing plant). This is because they carry a lower risk due to a stronger market demand from investors. As a result, lenders may avoid financing specific use properties or impose a lower loan-to-value (LTV) ratio, necessitating a higher down payment to mitigate the inherent risks. 

At Velocity, we offer loans for a diverse range of commercial properties, including:

- Office Buildings

- Retail Stores

- Warehouses

- Self-Storage Buildings

- Automotive Repair Shops

While we do provide investment property financing for amounts up to $5 million on small balance commercial real estate buildings, the majority of our commercial real estate loans are valued under $2 million. These smaller loans are generally easier to approve and close compared to institutional loans for larger properties, making them an excellent starting point for brokers new to commercial real estate loans. 

Focusing on smaller, more accessible properties will help you establish your commercial mortgage lending practice. Once you’ve successfully completed a few commercial loan transactions, you can quickly progress to larger properties, thereby generating more revenue per deal.