Impower

A Better Alternative to SBA 504 or Traditional Loans for Commercial Real Estate Financing

Don’t qualify for an SBA 504 loan? No problem.

Don’t qualify for a Small Business Administration (SBA) or traditional bank loan? Looking to jumpstart a project in a census-designated low-to-moderate income zone? No problem! Our Impower loan can provide a responsible and flexible way to purchase commercial real estate and build long-term equity.

Value to the customer

Through our flexible terms and streamlined process we offer both small business owners as well as brokers, agents, and other lenders an excellent opportunity to purchase commercial real estate when other lenders say no.

  • Opportunity for financing even if you do not qualify for an SBA 504 loan due to credit or eligibility issues
  • Up to 95% financing and low or no minimum credit score.
  • 1-2% origination fee (some may qualify for no origination fee and a credit for soft costs)
  • Streamlined process – get approved in as little as 2 weeks from receipt of a completed application
  • Interest-only repayment options to start your loan
  • Viable option for small-businesses owned entrepreneurs of color or operating in communities of color where traditional financing is typically hard to secure

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    Terms & highlights

    Impower 95Impower 95 <40% Occupancy
    Loan TypeOwner Occupied CREOwner Occupied CRE
    Conventional
    1st Mortgage
    $250,000 to $5 million250,000 to $5 million
    Rate10 year CMT +(4.5% to 5.5%)10 year CMT +(4.5% to 5.5%)
    Property TypesMulti-purpose,
    Semi-generic,
    and Special-purpose
    Multi-purpose,
    Semi-generic,
    and Special-purpose
    Leasehold ImprovementsUp to $500,000Up to $500,000
    LocationMultistate optionsMultistate Options
    DSCR1.0 global
    Min DSCR of 1.15 on cash out refinance
    1.10 Global with at least 0.75
    from operating business
    Min DSCR of 1.15 on cash out refinance
    LTV95%; 90% for Semi-generic
    and 85% for Special-purpose
    Lower LTV maximums by 10% for cash out refinance
    95%; 90% for Semi-generic
    and 85% for Special-purpose
    Lower LTV maximums by 10% for cash out refinance
    Occupancy40% by ownerMinimum 25% from operating business
    Credit ScoreNo minimum credit scoreNo minimum credit score
    Loan Origination Fee1-2%1-2%

    Download Fact Sheet US Treasury Constant Maturity Index

    Property types

    Multi-purpose properties:

    Examples of commercial properties may include: Office Space, Warehouse, Light Industrial, Retail, Wholesaling, Manufacturing, R&D, Medical, Dental, Veterinarian.


    Special-purpose properties:

    Examples of commercial properties may include: Gas Stations, Auto Dealers, Hotels, Restaurants, Car Washes, Amusement, Care Facilities, Storage Facilities.


    Semi-generic properties:

    Examples of commercial properties may include: Auto Dealers, Auto Repair, Restaurants, Child Care.


    What else do you need to consider?

    • Property must be at least 40% owner-occupied, exceptions considered on a case-by-case basis
    • Show sufficient historical cash flow to make payments
    • Consideration for start-up businesses that demonstrate two years of successful operating management experience in same industry; sufficient reserves for start-up working capital and six months of loan payments