Commercial Lending Programs

The Fiirm publishes program information so a borrower can understand the shape of a lending conversation before starting a complete application. The page covers Small Balance Commercial lending, DSCR residential investment lending, and the residential transition programs shown in the live React catalog. Product cards and current program details continue to load for humans from the application services; this text gives a crawler the durable public explanation of what the page is about.

All public paths are business-purpose only. The Fiirm does not make consumer or owner-occupied residential lending. A program description is an orientation to the questions a full file may need to answer. It is not an approval, commitment, rate lock, or substitute for underwriting.

Small Balance Commercial lending

SBC is the commercial path for eligible investors and operators working with commercial real estate. The public SBC loan band is $100,000 to $2,500,000. The property and transaction lead the conversation: what the asset is, how it is occupied, whether it supports a business or investment, who owns it, why the financing is needed, and what documentation is available.

The source page describes flexible financing for borrowers considering a purchase, refinance, or value-add use of a commercial asset. Common questions include owner-occupied acquisition, mixed-use refinancing, bank-statement documentation, cash-out for CapEx or expansion, and how the property’s operating story fits the review. The correct program path depends on the active guidelines and the complete file, not on a single headline feature.

The catalog can include multiple SBC program cards. Each card identifies a program name, description, highlights, and loan range, and links to a detail view. The service-backed React page keeps those cards current for human visitors, while the public authority pages explain the broad boundaries and vocabulary borrowers need first.

DSCR residential investment lending

DSCR is the investor path for eligible 1-4 unit residential investment property. The public DSCR loan band is $100,000 to $2,000,000. The property’s qualifying income and proposed debt service are important parts of the conversation, while the complete review still considers property facts, ownership, location, documentation, credit, reserves, leverage, transaction purpose, and legal requirements.

“Qualify on property cash flow, not personal income” is useful shorthand for the starting question, not a promise that personal or borrower information will never matter. A rental scenario should include the property, current or projected rent, proposed payment, transaction type, ownership context, and the facts still unknown. The Mentor can help a borrower organize those details before the secure application.

The live catalog separates DSCR cards from SBC cards so a borrower can read the correct property and purpose language. Individual program details may change as active guidelines are updated. Read the applicable detail page and treat the final loan documents and complete underwriting review as controlling.

Residential Transition Loans

The React programs page also presents Residential Transition Loans, or RTL, when that product is enabled. The source description is purpose-built financing for residential real estate investors moving through a deal cycle, including fast flips, extensive rehab, and ground-up new construction. The current catalog identifies the available cards, descriptions, highlights, and ranges through the service-backed data.

RTL is distinct from SBC and DSCR because the renovation, bridge, or construction purpose changes the questions a complete review must answer. Borrowers should describe the property, the acquisition or refinance, the scope of work, the projected use of proceeds, the experience and documentation available, and the timing question. A quick quote tool can help organize a scenario, but it does not replace the program review.

What every program conversation has in common

The commercial lending overview explains the public product boundary. Read the SBC path or DSCR path for the applicable authority page. The commercial loan guides provide preparation detail, while the blog carries public explanations and the methodology explains sourcing and corrections.

Start with the question you actually have

Use the live React program cards to open a current detail view, use the Mentor to describe a scenario, or learn about The Fiirm before you begin. If the public material does not answer the question, contact the team and explain what you are trying to finance and what you need to understand next.

How to compare a program without overreading it

Start with purpose, then test the property fit. A purchase, refinance, cash-out request, rehab, bridge, or construction plan can create different documentation and underwriting questions even when the collateral sounds similar. Next, identify whether the property is commercial real estate, an eligible 1-4 unit residential investment, or a residential project moving through a transition phase. That first distinction keeps the conversation on the correct program rail.

Then separate published orientation from current file review. Loan ranges, highlights, and examples help a borrower decide which questions to ask. They do not guarantee that a property, borrower, entity, location, or transaction will qualify. Active guidelines, complete documentation, and the final review control the outcome. A program card is most useful when it helps a borrower describe what is true and what still needs to be verified.

For commercial scenarios, describe the operating business or investment property, occupancy, existing debt, ownership structure, requested proceeds, and the reason for the timing. For DSCR scenarios, describe the unit count, rental income, proposed payment, transaction, property condition, and ownership context. For transition scenarios, add the scope of work, budget, exit or completion plan, experience, and timing. The more specific the question, the more useful the next answer can be.

Documentation is not a punishment for asking a question; it is the evidence that lets the question become a decision. Different documents answer different parts of the file. Bank statements can describe deposits, rent records can describe property income, entity records can clarify ownership, and property records can support collateral facts. Do not send sensitive documents through a public form. Use the secure process when the team identifies what is needed.

A practical next step for each borrower

An owner-operator can start by describing the building, the business use, the current lease or ownership position, and the purchase or refinance question. An investor can start with the property type, unit count, rent, debt service, leverage goal, and whether the request is a purchase, refinance, or cash-out. A rehab or construction borrower can start with the property, scope, budget, capital already invested, and intended exit. These are not application substitutes; they are useful outlines for the first conversation.

Read the current cards below for the live catalog, then open the authority pages linked above when you need boundary detail. If two categories seem possible, say why. The team can help identify the question that separates them. If no published path fits, contact The Fiirm with the scenario rather than forcing it into the wrong label.

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