Commercial lending made easy

AFS is different from banks. We have the flexibility, faster turnarounds and passion for commercial lending to help fund your business success.

PROGRAM HIGHLIGHTS

• Flexible lending from $10,000 to $100 million
• We make pre-qualification easy-sometimes with little or no financial documentation required
• Unrestricted cash-out
• Up to 90% Loan To Value
• Up to 97% with seller carry mortgage as low as 7% of the loan amount
• Debt Service Coverage Ratios as low as 1:1 (net operating income/ annual debt service)
• Several affordable payment options: P&I, interest only, balloon payments, annual payments
• Fixed or adjustable rates
• Up to 30-year amortization
• Owner occupied and investor property situations
• Loans to corporations, partnerships, and trusts
• Small Business Association (SBA) programs
• City, county and state subsidized programs
• “Hard money” access