Business Cash Flow Loans
Unlock Capital to Grow Your Real Estate Business
Designed for professional real estate investors, this program provides upfront capital by leveraging your portfolio's monthly cash flow.
How Cash Flow Financing Works
Leverage Your Cash Flow
Your business's monthly rental income is used to provide you with a lump sum of capital upfront.
Keep Your Equity
This is not a traditional loan. It's structured as a cash flow assignment, so you don't give up equity in your properties.
No Property Liens
Your real estate assets remain unencumbered, giving you more flexibility for future financing.
Loan Parameters At-a-Glance
Business Cash Flow Loan Information
Our lender partner provides liquidity to professional real estate investors with low leverage, cash-flowing assets. They do this by leveraging the monthly cash flow of experienced rental investors’ entities to provide up-front capital, which you can then use to acquire new properties or improve existing properties.
Benefits of Cash Flow Financing:
- 7 Day Close: Get funded quickly to seize opportunities.
- Keep Your Equity: You're not selling a piece of your properties.
- Flexible Capital: Use the funds for property acquisition, working capital, renovations, or any other business need.
- No Personal Credit or DTI: Qualification is based on your business's financial health, not your personal credit.
- No Liens on Property: Your real estate assets remain free and clear.
Use Cases:
- Property Acquisition
- Working Capital
- Development Costs
- Renovations and Amenities
- Hiring & Company Growth
- Refinancing High-Cost Debt
Loan Terms: 1-5 year terms with the deal structured as Preferred Equity or a Cash Flow Assignment. A lien and personal guarantee (PG) is placed on the operating entity, not the real estate itself. 3 or more months of payments are held in reserves.
Commercial Loan Program Terms:
- Up to 90% CLTV Purchase
- Up to $100M Loan Amount
- 5-100 Units
- No Employment or Income Verification
- Close in an LLC or Entity
- Multi Family, Mixed Use, Retail/Office, Hospitality, Apartments, Senior Housing +more
- Rehab and Ground Up Construction Available
- Flexible Amortization Options
Get an Instant Mortgage Rate Quote from The Mortgage Calculator
Get Your Quick Quote
Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.
Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!