Commercial Loans

The BCI Difference

What makes us different for Connecticut 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!