Funding To Make
It Happen.

No income commercial loans make it easy to get the
funding you need when you need it.

Fast Approvals

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

Easy Process

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

Highly Competitive Rates

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

Funds in 14 - 21 Days

Most loans are funded in only 14 to 21 days, so you can get on with your life.

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No Income Commercial Loans

No Personal Income Required

650 Minimum FICO Score

30 Year Fixed Rate Loan Term

Interest Rates Starting at 8.99%

5+ Apartments, Mixed Use, Retail, Storage

Nationwide Lending Area

About 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.

Fast Approvals

Easy Process

Highly Competitive Rates

Funds in 14-21 Days

No Income Commercial Loan FAQ’s

How can you offer commercial loans that do not require proof of income?

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.

How can I buy a commercial property with no money down?

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.

How can I get a commercial loan with no income?

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.

How do commercial loans work?

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.

What are commercial loans used for?

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!

How long are commercial loans?
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.

What is an LLC?

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.

How can I get an LLC?

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.

Can an individual get a commercial loan?

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.

What is a proof of funds letter and how can I get one?

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!

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