Fast approvals for Commercial Loans
Fast Approvals

We have streamlined our approval process to get you approved FAST!

Easy process for Commercial Loans
Easy Process

Our easy application process doesn't require you to fill out endless forms or to provide supporting documentation.

Competitive rates for Commercial Loans
Highly Competitive Rates

We are here to get you funded fast, easy, and at fair competitive rate.

Receive your funds quickly for our Commercial Loans
Funds in 30 Days or Less

Most loans are funded in less than 30 days so you can get on with your life.

Nationwide Expert Lender For No Income Commercial Loans.

Business owners nationwide trust Brass Financial when they need cash without the hassle. Work with a lender who works hard for you.

Our no income commercial loan program makes it easy to get approved quickly! With flexible terms and convenient closings, this is an ideal program for everyone. The key advantage to our no income commercial loans over a traditional commercial loan is that the approval process is much quicker because there are fewer documents involved in order for you to qualify.

Talk to a commercial loan specialist to learn more or to get started. It only takes 5 to 10 minutes!

Commercial Loans

Simple Qualification Requirements.

As a no income commercial loan specialist, Brass Financial has simplified the loan process. The chart at the right includes some key loan highlights for your review.

As you can see, our no income commercial loan program is amazing! It's quick, it's easy, and it has great terms.

If you have additional questions, please don't hesitate to contact us. You can get started right away!

No Income Commercial Loans
Interest Rate
Starting at 4.99%
Loan Term
30 Year Fixed rate
Up to 80% LTV
Income Required
No Personal Income required
Minimum Fico
Property Types
5+ Apartments, Mixed use, retail, commercial
Lending Areas

About No Income Commercial Loans

No income commercial loans can be used to purchase commercial and residential properties. They can apply to refinances, cash-out refinances, and cash-out second mortgages. Brass Financial even offers no income commercial loans for self-employed people.

One key advantage of a Brass Financial no income commercial loan over a traditional commercial loan is that the approval process is much quicker and the process is much easier since there are fewer documents involved to qualify.

Typical ways no income commercial loans can help:

  • Small business owners who experience large fluctuations in income from year to year might have difficulty securing funding through traditional lenders.
  • Foreign borrowers who do not file U.S. tax returns often can't obtain financing. A stated income loan might be the solution.
  • Properties that have recently experienced vacancy or turnover might not reflect enough income on their tax returns to qualify for a conventional commercial mortgage.
  • Borrowers who do not qualify for bank financing. This might include borrowers with limited experience owning properties.
  • Borrowers with limited post-closing liquidity. Our requirements are lower and more relaxed than traditional banks.
Commercial Loans - Fast Approvals

Fast Approvals

Commercial Loans - Easy Process

Easy Process

Commercial Loans - Highly Competitive Rates

Highly Competitive Rates

Commercial Loans Funds Fast

Funds in 30 Days or Less

No Income Commercial Loan FAQs.

As an asset based lender, we do not require proof of income, tax returns, pay stubs, etc. We solely base the loan on the property to help clients get loans when banks say no.

It is not often that you can buy a property with no money down, but you can utilize our funds to get up to 80% of the purchase price and have the seller hold a 2nd mortgage for the remaining 20%. We also now offer unsecured business loans that you can use to put towards your down payment and closing costs for a true no money down loan. Contact us to find out what you would qualify for in minutes without affecting your credit score.

Easily. With our program we qualify you based on the asset and not your personal income. We don't require tax returns or pay stubs. This way you can purchase an income producing property fast and easy with some of the best loan terms available in today's market.

Commercial loans work the same as any other mortgage, they are 30 year loans that are either a fixed rate, or a 3, 5, or 7 ARM. You will have a monthly payment that includes principal and interest, along with taxes and insurance.

Commercial loans are used to purchase or refinance a property. Unlike banks and traditional lenders that may take months to get your deal to the closing table, our process makes getting approved fast and easy. With our asset based lending mindset, borrowers who would not qualify for a bank loan can easily do so with us!

Commercial loans are 30 year loans. You can choose from a 30 year fixed rate or one of our ARM's which is 3, 5, or 7 years.

  • Contract of sale if a purchase or value if refinancing, value must be over 100,000 with most loan options
  • Property type, i.e restaurant, bar, warehouse, etc.
  • Rent roll or fair market rental income if not owner occupied
  • Property expenses, i.e. taxes, insurance, utilities etc.
  • Completed application, 2 months bank statements, photo ID and social security card

An LLC is a limited liability company designed to help protect the owners of the LLC's personal assets. If the LLC were to be sued, only the LLC assets would be at risk. We strongly recommend getting an LLC to all of our clients when they are purchasing investment properties.

If you don't already have an LLC formed, you can do so in just 15 minutes. We have found Legal Zoom is one of the easiest and most convenient online companies to use when forming your LLC. It just takes a few minutes.

Unlike other lenders, we allow clients to close in their personal name. We recommend that you close in an LLC or corporation to protect your personal assets. If you are unsure what option would be best for you, we would recommend that you speak with your attorney and/or your accountant.

A POF letter is like a pre-approval letter from your lender which states you have already been approved for a line of credit to purchase a property. To get a POF letter, simply call one of our loan experts and answer a few questions. In most cases, we will be able to issue you a POF letter within 30 minutes.

Easy Process.

We have simplified the no doc commercial loan financing process—so you can get back to the important job of running your business.

The application process is quick and easy. Our team of expert lenders is here to guide you through every step of the process, answering any questions you may have.

If you're accustomed to dealing with large corporate lenders, you'll be pleasantly surprised how easy we have made this process!

Get Started Now!

We make it easy to get started.

Simply fill out this form and we will get everything moving forward. It's Fast and it's Easy.

Featured In

"My best mortgage experience ever"

"I have been involved with many real estate and mortgage transactions over the years but it will say my most recent purchase involving Brass Financial Group was, by far, the easiest, quickest and most non-stressful on to date. I look forward to doing business with Brass again!"

Top Sulivan
Ocean City, NJ
"A clear and professional understanding"

"Dane and Steve, have a clear and professional understanding of how the market works. They are determined to make positive return on all investments."

Paul Stanton
"Easy process."

"Great follow-up and fair loan terms. Easy process. Would definitely recommend. Thank you!!!"

Drew Herrington
"They are there for you every step of the way!"

"Steve and Dane are great to work with, very knowledgeable in all aspects of mortgage lending, They make the process very easy and they are there for you every step of the way!!"

Dawn Brasslett
"I would definitely recommend them again to my clients."

"Brass Financial Group was a pleasure to work with. They made things so easy from start to finish and answered every one of my questions throughout the process. I would definitely recommend them again to my clients."

Dana Smith
"They make the process very easy"

"Great company to work with! They make the hard money lending process very easy to understand and it's a comfortable experience. They are also a mortgage company, so... bonus!"

Derek Doernbach
"Can't wait to do a ton more of business with you."

"Brass Financial is the best company out there for people that flip real estate. Their program for flippers is unbelievable and their mortgage financing programs are the bees knees. Great, great job guys can't wait to do a ton more of business with you guys."

Billionaires In Progress Movement
"They are fantastic to work with"

"I have worked with Brass Financial on several projects and I am pleased to say they are fantastic to work with. The group is always professional and great to communicate with."

Take The Tour Now
"The best guys, highly recommend."

"Steve and Dane are the definition of teamwork! They answer right away with details and explanation, they care about their clients and want what's best for them! Steve has helped me over the years with everything from loans to refinancing! The best guys, highly recommend."

Bianca Brasslett