The BCI Difference | FAQ's | Property Types

"THE BCI DIFFERENCE"

What makes us different for CT Commercial Lending?

Rates – Our rates are always competitive.

Focused expertise – BCI is focused on small-balance commercial lending. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage.

Process – BCI works on the premise that the loan process is as important as the loan itself. We will give you a pre-approval very quickly, We work with qualified appraisals and we will get your financing done in 45 to 60 days or less!

Debt-to-income (DTI) underwriting approach – BCI Financial uses the debt-to-income (DTI) approach for small-balance commercial loans, with the flexibility to factor in the borrower's personal financial strength - as opposed to just the property's cash-flow - when evaluating the ability to repay the loan. So unlike traditional commercial lenders, we have no minimum debt-service requirements. As a result, BCI also offers many innovative features and benefits you're not likely to find elsewhere, such as:

Working with borrowers to make the loan ‘work’.
Personal counseling to make sure all aspects of a loan are    understood by the borrower.
Helping borrowers to structure a loan for loan term gains.
Working with investors to assure success in their business    endeavor!