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The BCI Difference | FAQ's | Property Types
BCI makes loans, not excuses!
As an innovator in the small-balance commercial lending market in CT, BCI Financial offers many advantages for small businesses and individuals who want to own small commercial properties.
The BCI Approach for the small-balance commercial lending market in CT:
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!
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