Is Commercial Loan Resource a lender? +
Not always the direct lender. In some cases we are the capital source; in others we connect borrowers with the right partner from a network of 200+ lending relationships. Loan approval and final terms are always determined by the lender, and not all applicants will qualify.
How fast can I get terms? +
Submit your deal once and Jeff personally reviews the scenario, matches it to the best-fit lender, and returns written terms — typically within 24 hours. Many come back in minutes. On bridge and DSCR deals, closings can move as fast as 5–8 days when the timeline demands it.
What credit score do I need? +
It depends on the program. DSCR, bridge, and other asset-based products weigh the property and the deal more heavily than personal credit, so there's room across a wide FICO range. Submit your scenario and Jeff will tell you exactly where you stand and which programs fit.
Do you work in all 50 states? +
Yes — Commercial Loan Resource serves investors, builders, and property owners nationwide, coast to coast, across all 50 states.
How do construction draws work? +
New construction and ground-up projects use snap draws. You submit progress photos straight from your phone and funds release without waiting on a scheduled inspector visit — which keeps your crews moving and your project on schedule.
What are the minimum loan amounts? +
It varies by program. New construction starts at $50K, fix & flip from $100K, bridge and hard money from $250K, and commercial real estate from $1M. DSCR rental financing is available on smaller balances too. If you're not sure where your deal lands, just send it.
Can foreign nationals or ITIN borrowers qualify? +
Yes — select DSCR and investment property programs are open to foreign national and ITIN borrowers, qualified on the property's cash flow rather than US tax returns. Eligibility and terms are set by the lender.
What do I need to get started? +
Just the basics of the deal: loan type, amount, property, timeline, and exit strategy. That's enough for Jeff to return written terms. Full documentation comes later, once you've reviewed terms and want to move forward.
Is there a fee to get terms? +
No. Submitting your deal and receiving written terms costs nothing. Any lender fees are disclosed up front in the term sheet and reviewed with you line by line, so you know exactly what you're signing before you commit.
Who do I actually talk to? +
Jeff LaVigne — directly. No call center, no junior intake. You talk to the decision-maker who reviews your deal, pressure-tests it, and gets it to the right capital source.