Capital for property, projects and the businesses behind them.
Every program here is business-purpose financing. We place it with the lender whose box your deal actually fits: banks, credit unions, debt funds, agency, CMBS and private capital.
Commercial Real Estate
Investment & owner-occupiedPurchase and refinance financing for retail, office, industrial, mixed-use and other commercial property, whether you lease it out or run your business from it.
Good fit for
- Buying a stabilized commercial property
- Refinancing out of a maturing balloon or a high rate
- Cash-out to fund your next acquisition
- Owner-users who want conventional terms instead of SBA
What lenders look at
- Debt service coverage (DSCR)
- Loan-to-value against an appraisal
- Rent roll, leases and tenant strength
- Your experience owning similar property
Multifamily 5+ Units
5+ unitsFinancing for apartment properties with five or more units, from value-add acquisitions to long-term holds, through bank, agency, CMBS and private capital.
Good fit for
- Acquisitions of 5+ unit properties
- Value-add plans with renovation budgets
- Refinancing after stabilization
- Portfolio and long-term hold financing
What lenders look at
- Trailing-12 operating statement
- Current rent roll and occupancy
- Property condition and capital needs
- Sponsor liquidity and track record
SBA 7(a) & 504
Owner-occupied & acquisitionFor businesses that occupy the property they buy, SBA programs allow up to 90% financing with long terms. A 504 typically splits into a bank first lien (about 50%), a CDC second (about 40%) and about 10% down.
Good fit for
- Buying the building your business occupies (51%+)
- Building or expanding owner-occupied space
- Acquiring an existing business
- Equipment and working capital alongside real estate
What lenders look at
- Business cash flow and tax returns
- Owner credit and personal financial statement
- Industry experience
- Use of proceeds and equity injection
Construction & Bridge
Short-term & transitionalGround-up, renovation and bridge capital to get a project built, stabilized or repositioned, with a clear exit to permanent financing or sale.
Good fit for
- Ground-up commercial or multifamily development
- Heavy renovation and repositioning
- Closing quickly before permanent financing
- Lease-up of a newly completed property
What lenders look at
- Budget, timeline and contractor
- Loan-to-cost and as-completed value
- Exit plan: refinance or sale
- Sponsor experience with similar projects
DSCR Investment Property
Rental propertyInvestment property financing qualified on the property's cash flow rather than your personal income, which suits investors with complex returns or growing portfolios.
Good fit for
- 1–4 unit rentals and small portfolios
- Self-employed investors
- Short-term and long-term rentals
- Buying or refinancing in an LLC
What lenders look at
- Rent compared to the full payment (DSCR)
- Credit score
- Reserves after closing
- Down payment or equity in the property
Equipment & Working Capital
Business financingCapital to buy equipment, cover growth, bridge receivables or keep a business moving between cycles.
Good fit for
- Equipment purchases and upgrades
- Inventory and seasonal needs
- Lines of credit for growth
- Bridging slow-paying receivables
What lenders look at
- Time in business and revenue
- Bank statements
- Credit profile
- What the funds will do for the business
Commercial financing, answered.
What DSCR do commercial lenders look for?
Most commercial lenders want a debt service coverage ratio (DSCR) of at least 1.20x to 1.25x, meaning the property's net operating income covers the annual loan payments by 20 to 25 percent. Stronger coverage, around 1.40x or higher, usually opens up better pricing. You can test your numbers in our free calculator.
How much down payment do I need for a commercial property?
Conventional commercial loans typically require 20 to 35 percent down, depending on the property, the lender and your experience. SBA 504 and 7(a) loans for owner-occupied property can go as low as 10 percent down.
What is the difference between SBA 7(a) and SBA 504?
SBA 504 is built for buying or building owner-occupied real estate and long-lived equipment, usually structured as a bank first lien (about 50 percent), a CDC second lien (about 40 percent) and about 10 percent down, with a long fixed rate on the CDC portion. SBA 7(a) is more flexible and can cover real estate, business acquisitions, equipment and working capital.
How long does a commercial loan take to close?
Many conventional commercial and bridge loans close in 30 to 60 days once the lender has a complete file. SBA loans often take 60 to 90 days. Getting the right documents together early is the biggest factor in closing on time.
Do you only finance deals in Texas?
No. Massif Capital Group is based in Georgetown, Texas and works closely with Central Texas banks and credit unions, but we arrange financing for commercial properties and businesses across the United States.
Is there a cost to talk through my deal?
No. The first conversation is free. We'll tell you plainly what's realistic and which programs fit before you spend time or money on applications.
Start with the numbers.
Run the scenario in the calculator, or book a call and we'll tell you which programs make sense and which don't.