Loan Programs
SAK Lending arranges commercial real estate financing across six core programs. Every deal is different — we find the right fit for your property, timeline, and goals.
Purchase
Acquisition financing for income-producing commercial real estate.
We source and structure purchase loans from a deep network of institutional and private lenders. Whether you're buying your first investment property or adding to a large portfolio, we match the deal to the right capital source and manage the process to closing.
Loan Size
$250K – $50M+
Max LTV
Up to 80%
Term
3 – 30 years
Amortization
20 – 30 years
Recourse
Full or partial
Refinance
Lower your rate, pull equity, or restructure existing debt.
Rate-and-term or cash-out refinancing on stabilized commercial properties. We analyze your current loan against today's market and identify programs that improve your debt structure — whether the goal is reduced payments, liquidity, or positioning for a future sale.
Loan Size
$250K – $50M+
Max LTV
Up to 75%
Term
5 – 30 years
Amortization
20 – 30 years
Cash-Out
Available
Ground-Up Construction
From lot to certificate of occupancy.
Construction financing for new commercial development. Loans are structured to cover land, hard costs, and soft costs with a draw schedule aligned to your construction timeline. We work with lenders who understand development timelines and can move through underwriting efficiently.
Loan Size
$1M – $100M+
Max LTC
Up to 85%
Term
12 – 36 months
Draw Schedule
Milestone-based
Recourse
Typically full
Short-Term Bridge
Fast, flexible financing for time-sensitive acquisitions and repositioning.
Bridge loans provide short-term capital to acquire, reposition, or stabilize a property while longer-term financing is arranged. They're ideal when speed is critical, a property needs lease-up before it qualifies for permanent debt, or a borrower needs to close before a conventional loan can be processed.
Loan Size
$250K – $50M+
Max LTV
Up to 75%
Term
6 – 36 months
Payments
Interest-only
Recourse
Full or partial
Small Balance DSCR
Cash flow-based underwriting for investment properties.
Debt service coverage ratio loans for stabilized income-producing properties. Underwriting focuses on property cash flow rather than personal income — making these a strong fit for investors with multiple properties, complex tax returns, or self-employment income.
Loan Size
$250K – $2.5M
Max LTV
Up to 80%
Min DSCR
1.00x
Term
5 – 30 years
Amortization
25 – 30 years
CMBS
Fixed-rate, non-recourse financing for stabilized properties.
Commercial Mortgage-Backed Securities loans offer long-term fixed rates and non-recourse terms for stabilized, income-producing properties. Best suited for borrowers who want rate certainty and limited personal liability on larger, well-occupied assets.
Loan Size
$2M – $100M+
Max LTV
Up to 75%
Term
5 – 10 years
Amortization
25 – 30 years
Recourse
Non-recourse
Not sure which program fits your deal? We'll help you figure it out.