Frequently Asked Questions

Do I need perfect credit to qualify for a commercial loan?

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Not necessarily. While credit score is one factor lenders consider, commercial loans are primarily underwritten based on the property’s cash flow, debt service coverage ratio (DSCR), and the strength of the business or investment. SBA loans typically require a minimum credit score of 650, but strong cash flow can offset lower scores in many cases. We evaluate your full financial profile before matching you with the right lender.

How long does it take to close a commercial loan?

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Timelines vary by loan type. SBA 7(a) loans typically close in 30–90 days depending on complexity and SBA processing. Conventional commercial loans can close in 30–60 days. Bridge loans can close in as little as 2–4 weeks. We work to streamline your documentation and lender submission to keep the process moving efficiently.

What documents will I need to apply?

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Common requirements include 2–3 years of business and personal tax returns, recent bank statements (3–6 months), a current profit and loss statement, balance sheet, business licenses, and a description of the property or business being financed. For real estate transactions, you’ll also need a purchase agreement and property information. We’ll provide you with a complete checklist tailored to your specific loan type.

What is the minimum loan amount you work with?

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We work with loan requests starting at $250,000 with no upper limit. Our most common transactions range from $500,000 to $10 million, spanning SBA loans, conventional commercial real estate, multifamily, and business acquisitions.

What is a DSCR and why does it matter?

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DSCR stands for Debt Service Coverage Ratio. It measures whether a property or business generates enough income to cover its loan payments. A DSCR of 1.25x means the property generates 25% more income than needed to service the debt — which is the typical minimum most lenders require. Our DSCR calculator on the website can help you estimate whether your deal qualifies before you apply.

Can you help if my deal was declined by another lender?

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Yes. This is one of our specialties. Many deals that are declined by traditional banks can be structured through SBA programs, alternative lenders, or private capital sources. We review what went wrong and find a viable path forward. We have closed many transactions that were previously declined elsewhere.

Do you charge upfront fees?

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We do not charge upfront fees to evaluate your loan request or provide a proposal. Fees are only applicable at closing and are disclosed clearly in advance. Our compensation is aligned with getting your deal closed successfully.

What areas do you serve?

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While we are headquartered in Rancho Cucamonga and specialize in the Inland Empire and Southern California markets, we arrange financing nationwide. We have closed transactions in California, Nevada, Arizona, Texas, and across the United States.

What types of properties do you finance?

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We finance most commercial property types including retail, office, industrial, multifamily (5+ units), mixed-use, gas stations, self-storage, owner-occupied commercial real estate, and ground-up construction projects.

How is Commercial Capital Partners different from a bank?

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Unlike a bank that can only offer its own loan products, we are an independent advisory firm with access to dozens of lenders — national banks, regional banks, credit unions, SBA preferred lenders, and private capital sources. This means we can shop your deal across multiple institutions simultaneously and present you with the most competitive terms available for your specific situation.