Commercial lending, explained
Know your loan before you sign for it.
Straight answers on how commercial real estate and business loans really work — from people who structure them every day. Then, when you're ready, we'll find the right lender.
Start here
Borrower guides
Getting started · 7 min read
How Commercial Loans Work: A Plain-English Guide
What makes a commercial loan different from a home mortgage, who lends, how terms are set and what to expect from start to closing.
Real estate · 5 min read
What Is DSCR? How Lenders Measure a Property's Cash Flow
Learn how debt service coverage ratio is calculated, what lenders look for and how to improve yours before you apply.
Real estate · 6 min read
Construction Loan Draws Explained
How draw schedules, inspections and holdbacks work on construction and rehab loans — and how to keep your project funded.
Loan types
Which loan fits your project?
Each guide covers who it's for, how it works, typical terms and what lenders look at.
Compare loan types- Acquisition & Development LoansCapital to buy land and build the horizontal improvements — roads, utilities, grading — that turn raw ground into buildable lots.
- Vertical Construction LoansFunding to build homes or buildings from foundation to finish, including phased subdivision and spec projects.
- Rental & DSCR LoansLong-term financing for rental properties based on the rent the property earns, not your personal income.
- Fix & Flip LoansFast, short-term loans to buy a property, renovate it and sell it — often covering both purchase and rehab costs.
- Bridge & Transitional LoansShort-term capital that bridges a gap — closing quickly, repositioning a property or waiting on permanent financing.
- SBA & Business Term LoansLonger-term, lower-cost capital for business expansion, acquisitions, equipment or owner-occupied real estate.
- Equipment FinancingFinancing from $10,000 to $100M+ to buy machinery, vehicles and technology, with the equipment itself as collateral.
- Business Lines of CreditFlexible capital you draw on when you need it and pay interest only on what you use — built for cash-flow ups and downs, inventory and short-term opportunities.
How CFUND works
From question to closing
- 01
Learn
Understand the loan types, numbers and documents lenders care about.
- 02
Share your deal
Submit it in CFUND Connect with a guided checklist.
- 03
Get matched
An advisor reviews it and brings you lenders that fit.
Run the numbers first
Estimate payments, DSCR and LTV in under a minute.
Common questions
Have a deal in mind?
Tell us about it in CFUND Connect. An advisor will review it, explain your options in plain language and match you with the right lender.