Unsecured business loan Small Business Association SBA Short term loan specialists in Grand Rapids, Wyoming, Grandville, Rockford, Cedar Springs, Kentwood, E. Grand Rapids, Cascade, Allendale, Walker, Byron Center and Jenison
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Commercial Lending

Commercial / Multifamily Apartment

We are able to provide funding avenues for a wide variety of commercial scenarios as well as underwrite loans for small and large apartment complexes.

See below for the diversity of mortgage programs that enable us to meet the lending needs of a variety of borrowers.


One or more individuals, Corporation, Limited Liability Company, General or Limited Partnership, Joint Venture, Trust

Real Estate Collateral:

Multi-family apartment project, Income Producing, e.g., office, shopping centers, industrial complexes, parking lots, Owner occupied building, Raw Land


5- year balloon with 10- year amortization, 10- year balloon with 15- year amortization, 15-year balloon with 20 year, etc.

SBA Business Loans

We will underwrite and process Small Business Administration (SBA) 7(a) and SBA 504 loans. The provisions of the Equal Credit Opportunity Act shall apply to all applicants for loans submitted under these government guaranteed loan programs. There shall be no discrimination on the basis of race, color, religion, age, sex, marital status, handicap or national origin.

It is our goal to facilitate a quick funding on all (SBA) loan requests. Additionally, we offer the following advantages:

  • Competitive rates and terms
  • Purchase or refinance of commercial real-estate, with cash out permitted
  • SBA-guaranteed fee can be financed in most cases
  • Loans size starting from $100,000 to $10,000,000

Non-Recourse Commercial Financing

Property types: Apartment Complexes, Self Storage Facilities, Shopping Centers, Mobile Home Parks
Loan Proceeds: Acquisition, Refinance, Cash-out


Size: Greater than $1 Million
Fast Close: 45-60 Days
Debt Service Coverage: 1.25%
LTV: 65% – 75%
Term: 25 – 30 Years
Interest: Fixed Rate @ 6.0% – 7.9%
Lender Points: None

Multi-Use Financing

Property Types: Commercial, Industrial Office, Medical / Dental Office, Industrial Condo, Warehouse, Industrial Office, Mixed Use Commercial and Residential, Mixed Retail w/Office, Light Manufacturing & Industrial
Loan Types: Purchase, Refinance, Cash-Out Refinance
Loan Amount: $100,000 – $3,500,000
LTV: 90% for Owner-Occupied (SBA 504) / 65% for Non-SBA, Refinance and Cash-Out Refinance
Term: 20-25 Year Amortization
No Balloon Payment
Simple Documentation

Our underwriters are professionally trained to keep the interest of the professional a priority. They are experienced in working with borrowers of all sizes. Thus, they can fund loans anywhere in the country!

Stated Income Commercial Lending

Loan Size: 25k – 400k
LTV: Max 70%
Loan Term: 5-25 yrs
Rates: ARM/Fixed Rates
ARM Index: Prime Rate as published by the eastern division of the Wall Street Journal
Prepayment: 5 yr declining
States: available in all states except AL, AK, HI, MI, NV, OH, WV, VE

Property types:

  • day care mortgages
  • apartment building mortgages
  • mixed-use building mortgages
  • retail building mortgages
  • office building mortgages
  • & more!

Hard Money:

< 1MM

  • Office / Retail / Industrial
  • Shopping Center / Strip Mall / Warehouse
  • Day Care / Restaurant / Assisted Living
  • Hotel / Motel
  • Cash-Out Refinance
Loan Sizes $100,000-$1,000,000
  • Maximum LTV-60%
  • Rates 11%-15%
  • Terms- 3 months to 24 months
  • Security Required-1st Trust Deed

> 1MM

Loan Parameters:
  • Loan size: $1MM-$18MM
  • Term: up to 3 years
  • LTV up to 70%
  • Rate: 8-13%
  • Points: 2-6
  • Lockout: 6-12 months
  • Property types: multifamily, retail, office, mixed-use, senior housing, lodging, manufactured housing, special-purpose
Funding Uses:
  • Discounted pay-offs
  • Property acquisitions
  • Distressed note acquisitions
  • Recapitalizations
  • Rehabilitation/redevelopment
  • Refinance asset-based lenders
  • Lease-up/stabilization on recently completed or rehabbed properties

Catalyst Commercial Funding are experts in quick unsecured business loans and short term loans. We service Grand Rapids, Wyoming, Grandville, Rockford, Cedar Springs, Kentwood, E. Grand Rapids, Cascade, Allendale, Walker, Byron Center and Jenison