Loan Program Highlights

Active Lending combines the resources of a global financial powerhouse with 
the focus of your local small business real estate lending experts.

Owner User - Full Doc

• Loans up to $5 Million
• Up to 90% financing on building purchases
• Refinances up to 85%
• Cash out up to 75%
• Minimum 600 average credit score
  and individual score(s)
• Only 25% occupancy required
• Preferred pricing for larger loans and
  lower LTV loans
• Multiple prepayment penalty options

Owner User - Stated Income

• Loans up to $2 million (at 65% LTV)
• Up to 90% financing on building purchases
• Minimum 660 average credit score and
  600 individual score(s)
• Minimum 700 minimum average credit score
  for purchases at 90% LTV
• Minimum 660 average credit score for
  refinances at 70% LTV
• Only 25% occupancy required
• No tax returns, financial statements or tax
  verifications necessary
• Multiple prepayment penalty options

Hotel Program

• Loans from $650,000 to $5 million
• Up to 70% financing on first trust deed
• Up to 85% CLTV with SBA 504 purchase
  money loan
• Minimum 600 average credit score
• Prefer limited service or extended stay with
  interior corridor
• Property should have 2 or more years
  operating history
• 30-year fixed fully amortized, underwritten
  at 25 years
• Multiple prepayment penalty options

Our Advantage

• Affiliate company guarantees not always required
• Seller financing can be part of the down payment 
  up to 90% combined loan to value
• Fully amortized 30-year term with Fixed, Floating and 
  Hybrid Rates available
• Rate locks available

Investor - Full Doc

• Loans up to $5 million
• Up to 80% LTV on building purchases
• Minimum 640 average credit score and
  600 individual score(s)
• Minimum 680 average credit score for
  purchases and refinances at 80% LTV
• Minimum 660 average credit score for
  cash-out at 70% LTV
• Minimum 80% occupancy based on property
  net rentable area
• Multifamily properties are now eligible

Investor - Low Doc

• Loans up to $3 million (at 60% LTV)
• Up to 80% LTV on building purchases
• Minimum 640 average credit score and
  600 individual score(s)
• Minimum 680 average credit score for
  purchases at 80% LTV
• Minimum 660 average credit score for
  refinances at 75% LTV
• Minimum 660 average credit score for
  cash out at 70% LTV
• No tax returns, financials or tax verifications
  necessary
• Multifamily properties are now eligible

 Investor - Plus

• Investor - Plus
• Up to 80% LTV on building purchases
• Minimum 640 average credit score and
  600 individual score(s)
• Minimum 680 average credit score for
  purchases and refinances at 80% LTV
• Minimum 660 average credit score for cash
  out at 70% LTV
• Minimum 80% occupancy based on property
  net rentable area
• Multifamily properties are now eligible