Commercial Loans

We work with all types of businesses in Connecticut and Southern New England

Commercial loans are available for any Connecticut and Southern New England business owner who has the need for financing. The BCI Approach for the small-balance commercial lending market is unique. Our qualified Commercial Loan staff is here to help you to get a loan based on your plan and not based on some bank's 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, our loan consultants specialize exclusively on these small balance Commercial Loans. We want to help you to fulfill your dream.

Focused expertise:  BCI is focused on small-balance commercial lending in Connecticut and Southern New England. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage. BCI uses the consultative approach and we work with you to look at all of the options for your small business.

The BCI Commercial Loan Process:  BCI works on the premise that the loan process is as important as the loan itself. Contact BCI to get quick pre-approval for your business loan. Our Commercial Loan staff works with qualified appraisals and we will work hard get 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” for their purposes.
• Personal counseling to make sure all aspects of a loan are understood by the borrower.
• Helping borrowers to structure a loan for long term gains.
• Working with investors to assure success in their business endeavor!

We work with all types of businesses in Connecticut and Southern New England: