SBA Alternative Mid-to-Large Balance Loan Program
When your commercial real estate goals exceed the limits of traditional small business lending, our Mid-to-Large Balance Loan Program provides the sophisticated capital structures required for major acquisitions and developments. By partnering with institutional banks and private investors, we provide Florida business owners and real estate investors access to significant funding for large-scale projects.
Institutional Capital for Florida’s Largest Projects
- Low Down Payment: Retain your cash with equity injections as low as 10%.
- Loan Amounts: Financing typically ranging from $5 Million to $50 Million+.
- Flexible Leverage: Competitive Loan-to-Value (LTV) ratios tailored to the asset class and project scope.
- Diverse Asset Classes: Coverage for major commercial sectors including hospitality, industrial, retail, and healthcare.
- Customized Terms: Interest-only periods, fixed-rate options, and structured bridge financing available through our investor network.
- Nationwide Capabilities: While we specialize in the Florida market, our mid-to-large balance programs extend to primary and secondary markets nationwide.
Eligible Property Types
Our institutional partnerships allow us to consider a wide array of high-value commercial assets:
- 50% First Trust Deed: Provided by a private-sector lender (Bank or Investor).
- Hospitality & Resorts: Flagged and unflagged hotel properties in Florida’s premier tourism hubs.
- Industrial & Logistics: Large-scale distribution centers and manufacturing facilities.
- Class-A Office Space: Professional buildings and corporate headquarters.
- Anchored Retail: Shopping centers and major retail developments.
- Medical Facilities: Hospitals, surgical centers, and senior living complexes.
- Multi-Family Portfolios: Large-scale apartment communities and portfolio refinances.
Why Choose Our Mid-to-Large Balance Program?
- Real Estate Acquisition: Buying land or existing buildings.
- Strategic Partnerships: We work with investors and specialized banks that have decades of experience in high-balance commercial underwriting.
- Speed to Closing: Our streamlined process bypasses the bureaucratic hurdles often found at large national consumer banks.
- Complex Deal Structuring: From mezzanine debt to bridge-to-permanent financing, we find the best alternative when traditional paths are too restrictive.
- Local Expertise: We understand the Florida landscape—from the growth corridors in Central Florida to the high-density markets of South Florida.
Why Choose Us for Your SBA 504 Financing?
Our mission is to provide a comprehensive suite of financial tools. If your project has outgrown the SBA $5 million cap, our Mid-to-Large Balance program is the logical next step.
Ready to see if you qualify?
Whether you are looking for a small-balance loan or a multi-million dollar real estate acquisition, our team is ready to provide a free initial assessment of your project.
Commercial Loan — Short Application
Tell us about the property and the loan you need — we’ll reply with a quote.
Thank you!
Frequently Asked Questions
What is the SBA Alternative Mid-to-Large Balance Loan Program?
The SBA Alternative Mid-to-Large Balance Loan Program provides sophisticated capital structures for major acquisitions and developments, allowing Florida business owners and real estate investors access to significant funding for large-scale projects.
What types of properties are eligible for financing?
Eligible properties include hospitality resorts, industrial logistics centers, Class-A office spaces, anchored retail developments, medical facilities, and multi-family portfolios.
What are the typical loan amounts available through this program?
Financing typically ranges from $5 Million to $50 Million and above.
What advantages does this loan program offer compared to traditional small business lending?
The program offers low down payments starting at 10%, flexible loan-to-value ratios, and customized terms such as interest-only periods and structured bridge financing.
How does the application process work?
Interested applicants can submit a short application detailing the property and loan needed, and the team will reply with a quote.
Is this loan program only available in Florida?
While the program specializes in the Florida market, it extends to primary and secondary markets nationwide.