Commercial Loans

Small Business Loans

We feel that we can help you to get a loan done based on your ‘plan’, not based on some banks formula. Our loans, from $100,000 to $1,500,000, are designed with the small investor in mind. We have found that banks consider these loans to be a nuisance. At BCI, we only work with these types of small balance commercial loans and we want to help you to fulfill your dream.

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!