Marketplace Capital Group Commercial Real Estate Loan Programs

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Last Update: April 25, 2018 at 12:22 PM

Commercial Programs *

/ Commercial

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We offer commercial real estate loans with low interest rates based on loan-to-value and property type. Now's the time to call us while rates are down! Call us at (310)435-0595

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Property Type
Loan Amount

Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
Owner-User, $500,000 to $20,000,000 So CA
Plus85	FC1	4.700%				85%	20/10 or 7 varies	1.25:1	5,4,3,2,1%	(310) 265.4492
Guidelines Owner-User financing up to 85% loan-to-value Commercial Condos: Medical commercial condos, Veterinarian Practices without dog runs, kennels and stalls and medical office; max amortization 20 years with 10 year term or 15/15 or 25/7 (max LTV 75% or less) Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7 Churches: Amortization & Term: 10/10 or 15/7 or 20/7 max LTV 85% Motels and Hotels: 10/10 max 80% LTV; 15/7 max 80% LTV; 20/7 max 80% LTV Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV Term & Amortization: Rates will vary based on selected amortization and term. The lower fixed term the lower the rate: 3/15, 3/20, 5/15, 5/20, 7/15,7/20,10/10 Special: 3/25, 5/25, and 7/25 options on medical, professional and industrial warehouse properties only. The longest fixed rate fully amortizing option is a 15/15. Mini-warehouses: 15/5 max 70% LTV Shopping Centers: 15/7 max 80% or less; 20/7 75% or less New Auto Dealerships: 10/10 max 80% LTV or less; 15/7 80% or less; 20/7 80% or less. Used Automobile and Marine Dealerships: 10/10 75% LTV or less; 15/7 75% or less Crematoriums (stand alone): Max LTV 75% or less Prepayment Fees: Standard 5,4,3,2,1% reduced prepayment fees offered, with higher average balances, case-by-case. Lender admin fees: Minimal lender admin fees, typically under $500 excluding 3rd party reports required. Loan Origination Points: 1% to 2% depending on the deal. Restrauants and Fast Food: 10/10 max 75% LTV; 15/7 max 75% LTV
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Church $500,000 to $20,000,000 So CA
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
P85C	FC2	4.65%				85%	20/10 varies	1.25:1	5,4,3,2,1%	(310) 265.4492
Guidelines Owner-User financing up to 85% loan-to-value Commercial Condos: Medical commercial condos, Veterinarian Practices without dog runs, kennels and stalls and medical office; max amortization 20 years with 10 year term or 15/15 or 25/7 (max LTV 75% or less) Idustrial Buildings and Warehouses: Max amortization 20 years with 10 year term or 15/15 or 25/7. Max LTVs: 85% for 15/15; 85% or less for 20/10 or 75% or less for 25/7 Churches: Amortization & Term: 10/10 or 15/7 or 20/7 max LTV 85% Motels and Hotels: 10/10 max 80% LTV; 15/7 max 80% LTV; 20/7 max 80% LTV Special Purpose: 15/15 max 75% LTV; 20/10 max 75%; 25/7 max 65% LTV Term & Amortization: Rates will vary based on selected amortization and term. The lower fixed term the lower the rate: 3/15, 3/20, 5/15, 5/20, 7/15,7/20,10/10 Special: 3/25, 5/25, and 7/25 options on medical, professional and industrial warehouse properties only. The longest fixed rate fully amortizing option is a 15/15. Mini-warehouses: 15/5 max 70% LTV Shopping Centers: 15/7 max 80% or less; 20/7 75% or less New Auto Dealerships: 10/10 max 80% LTV or less; 15/7 80% or less; 20/7 80% or less. Used Automobile and Marine Dealerships: 10/10 75% LTV or less; 15/7 75% or less Crematoriums (stand alone): Max LTV 75% or less Prepayment Fees: Standard 5,4,3,2,1% reduced prepayment fees offered, with higher average balances, case-by-case. Lender admin fees: Minimal lender admin fees, typically under $500 excluding 3rd party reports required. Loan Origination Points: 1% to 2% depending on the deal. Restrauants and Fast Food: 10/10 max 75% LTV; 15/7 max 75% LTV
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5 Year Fixed / Reset $1,000,000 to $15,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
AC	A48	4.970%		CMT		75%	30/15	1.25:1	None	Call 310 265 4492
Guidelines Nationwide Up to 75% LTV in preferred lending areas - Los Angeles, Orange and San Diego Interest Only up to 5 years 1.15:1 Multifamily 1.25:1 Commerical No Prepayment Fees Non-Recourse Available Minimum Loan Amount $1,000,000; max $15,000,000 30 year amortization with up to a 15 year term in 5 year or 7 year increments Floor equals Start Rate Ceiling equals 5% over Start Rate Rate reset index: CMT
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Multi-Family 5-Units & Up $1,000,000 to $20,000,000 Value Add, Large MSA Cities
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
P3	BOI3	3.00% & up	3.75%			65%	27/30	1.10:1	3,2,1%	(310) 265.4492
Guidelines
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Purchase Power Plus $200,000 to $3,000,000 California
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
PPP	AS4					70%	I.O. & 30-40 yrs amortization	1.10:1	None	(310) 265.4492
Guidelines 9.50% to 12.50% Fixed Rates 1-Year to 10-Year Fixed Terms Interest Only Payments and 30-Year Amortization Available No Prepayment Penalties California Properties Only Appraisal may be required Certain properties may require environmental reports 12 months trailing bank statements required. Prefer mid credit scores of 680 or better Max loan to value 60%
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Commercial $1MM to $15MM, 5 Year Fixed, 5 Year Reset, No Prepayment Penalty, Major MSA Cities
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
C55	A45	4.970%						1.10:1
Guidelines Nationwide Up to 75% LTV in preferred lending areas - Los Angeles, Orange and San Diego Interest Only up to 5 years 1.15:1 Multifamily 1.25:1 Commerical No Prepayment Fees Non-Recourse Available Minimum Loan Amount $1,000,000; max $15,000,000 30 year amortization with up to a 15 year term in 5 year or 7 year increments Floor equals Start Rate Ceiling equals 5% over Start Rate Rate reset index: CMT
C55	A46	4.970%		CMT	Start Rate + 5%	75%	30/15	1.25:1	None	Call 310 265 4492
Guidelines Nationwide Up to 75% LTV in preferred lending areas - Los Angeles, Orange and San Diego Interest Only up to 5 years 1.15:1 Multifamily 1.25:1 Commerical No Prepayment Fees Non-Recourse Available Minimum Loan Amount $1,000,000; max $15,000,000 30 year amortization with up to a 15 year term in 5 year or 7 year increments Floor equals Start Rate Ceiling equals 5% over Start Rate Rate reset index: CMT
C55	A47	4.970%		CMT	Start Rate + 5%	75/70	30/15	1.25:1	None	Call 310 265 4492
Guidelines Nationwide Up to 75% LTV in preferred lending areas - Los Angeles, Orange and San Diego Interest Only up to 5 years 1.15:1 Multifamily 1.25:1 Commerical No Prepayment Fees Non-Recourse Available Minimum Loan Amount $1,000,000; max $15,000,000 30 year amortization with up to a 15 year term in 5 year or 7 year increments Floor equals Start Rate Ceiling equals 5% over Start Rate Rate reset index: CMT
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Commercial $1,000,000 - $10,000,000 5-Year Fixed Hybrid
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
H	H529	4.850%	2.85 - 2.95%	6 Mo LIBOR	6% + Start Rate	75%/70%	30/15	1.30:1	5,4,3,2,1%	call 310.265.4492
Guidelines States: AZ, CA, CO, ID, NV, OR, TX. UT, WA Price Adjustments: Property less than B quality; Credit score below 680; Add 0.25 bps for any loans under $2MM 5's, 7's & 10's sized at start rate (3 yr sized at greater of strat or Prime + 2.00%) 60 day rate lock for $250 fee and 1% refundable deposit. 3% max increase at 1st adjustment, then 1% every 6 months TI's & LC's calculated in underwriting Full Recourse - Non-Recourse vase by case (standard carve outs) Impounds for taxes/insurance typically required. $6,000 deposit for 3rd party reports (loans under $3MM) $8,500 deposit for 3rd party reports (loans $3MM+) ** Add $1,000 towards deposit for deals outside of CA Ancillary costs typically $2,500-$3,000 Property types: Multi-tenant, office, retail, industrial and self-storage. Adjust to 6 Mo. Libor + margin after initial fixed period.
H	H530	4.975%	2.85 - 2.95%	6 Mo LIBOR	6% + Start Rate	75%/70%	30/15	1.30:1	5,4,3,2,1%	Call 310 265 4492
Guidelines States: AZ, CA, CO, ID, NV, OR, TX. UT, WA Price Adjustments: Property less than B quality; Credit score below 680; Add 0.25 bps for any loans under $2MM 5's, 7's & 10's sized at start rate (3 yr sized at greater of strat or Prime + 2.00%) 60 day rate lock for $250 fee and 1% refundable deposit. 3% max increase at 1st adjustment, then 1% every 6 months TI's & LC's calculated in underwriting Full Recourse - Non-Recourse vase by case (standard carve outs) Impounds for taxes/insurance typically required. $6,000 deposit for 3rd party reports (loans under $3MM) $8,500 deposit for 3rd party reports (loans $3MM+) ** Add $1,000 towards deposit for deals outside of CA Ancillary costs typically $2,500-$3,000 Property types: Multi-tenant, office, retail, industrial and self-storage. Adjust to 6 Mo. Libor + margin after initial fixed period.
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$1,000,000 - $10,000,000 7 Year Fixed Hybrid
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
H7	AS31	4.900%	2.85%-2.95%	6 Mo LIBOR	6% + Start Rate	75/70	30/15	1.30:1	5,5,4,3,2,1,1,	Call 310 265 4492
Guidelines 9.50% to 12.50% Fixed Rates 1-Year to 10-Year Fixed Terms Interest Only Payments and 30-Year Amortization Available No Prepayment Penalties California Properties Only Appraisal may be required Certain properties may require environmental reports 12 months trailing bank statements required. Prefer mid credit scores of 680 or better Max loan to value 60%
H7	AS32	5.025%	2.85%-2.95%	6 Mo LIBOR	6% + Start Rate	75/70	30/15	1.30:1	5,5,4,3,2,1,1,	Call 310 265 4492
Guidelines 9.50% to 12.50% Fixed Rates 1-Year to 10-Year Fixed Terms Interest Only Payments and 30-Year Amortization Available No Prepayment Penalties California Properties Only Appraisal may be required Certain properties may require environmental reports 12 months trailing bank statements required. Prefer mid credit scores of 680 or better Max loan to value 60%
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$1,000,000 - $10,000,000 10 Year Fixed Hybrid Western States
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
H10C	H533	5.000%	2.85%-2.95%	6 Mo LIBOR	Start Rate + 6%	75/70	30/15	1.30:1	5,5,4,4,3,3,2,2,1,1	Call 310 265 4492
Guidelines States: AZ, CA, CO, ID, NV, OR, TX. UT, WA Price Adjustments: Property less than B quality; Credit score below 680; Add 0.25 bps for any loans under $2MM 5's, 7's & 10's sized at start rate (3 yr sized at greater of strat or Prime + 2.00%) 60 day rate lock for $250 fee and 1% refundable deposit. 3% max increase at 1st adjustment, then 1% every 6 months TI's & LC's calculated in underwriting Full Recourse - Non-Recourse vase by case (standard carve outs) Impounds for taxes/insurance typically required. $6,000 deposit for 3rd party reports (loans under $3MM) $8,500 deposit for 3rd party reports (loans $3MM+) ** Add $1,000 towards deposit for deals outside of CA Ancillary costs typically $2,500-$3,000 Property types: Multi-tenant, office, retail, industrial and self-storage. Adjust to 6 Mo. Libor + margin after initial fixed period.
H10C	H534	5.025%	2.85%-2.95%	6 Mo LIBOR	Start Rate + 6%	75/70	30/15	1.30:1	5,5,4,4,3,3,2,2,1,1	Call 310 265 4492
Guidelines States: AZ, CA, CO, ID, NV, OR, TX. UT, WA Price Adjustments: Property less than B quality; Credit score below 680; Add 0.25 bps for any loans under $2MM 5's, 7's & 10's sized at start rate (3 yr sized at greater of strat or Prime + 2.00%) 60 day rate lock for $250 fee and 1% refundable deposit. 3% max increase at 1st adjustment, then 1% every 6 months TI's & LC's calculated in underwriting Full Recourse - Non-Recourse vase by case (standard carve outs) Impounds for taxes/insurance typically required. $6,000 deposit for 3rd party reports (loans under $3MM) $8,500 deposit for 3rd party reports (loans $3MM+) ** Add $1,000 towards deposit for deals outside of CA Ancillary costs typically $2,500-$3,000 Property types: Multi-tenant, office, retail, industrial and self-storage. Adjust to 6 Mo. Libor + margin after initial fixed period.
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* Rates, fees and terms are subject to change without notice.

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