Small Balance Commercial

Considering purchasing or refinancing commercial real estate valued under $5MM? Take advantage of our Small Balance program that is designed to capture financing oppotunities that were passed on by your depositry lender.




Lending Parameters

Transaction Type: Purchase, Refinance, &Cash Out Refinance

LTV: 75% Max LTV (based upon asset and location)

Rates: 6.35%-9.5%

Fixed Period: 2,3,5,7,10 and 30 year

Points: up to 2 points (par pricing available)

Loan Amounts: $300,000 to $6,000,000

Amortization:  up to 30 Year Fully Amortizing (other amortization options available)

Index: WSJ P

Rate Caps: 2% for the First Year Then 1% periodically

Prepayment Penalty: 5% for Each Year That The Loan is Fixed  

Rate Buy-down: Available with additional origination costs.


Additional Considerations:

-Minimum Credit Score: 600

-Expense Deposit Required Fort 3rd Party Reports

-Rate Lock When Loan Documents Drawn

-Impounds For Property Taxes and Insurance Required

-IBS Must Order 3rd Party Reports


Property Types

Multifamily – Apartment Buildings

Office Buildings

Mixed Use


Strip Centers

Mobile Home Parks

Garage & Auto Repair

Light Industrial/Warehouse

Storage Facilities



Initial Required Documentation Checklist:

Loan Summary Overview form (use the form that best applies to your deal)

Loan Application

Recent Personal Financial Statement

Color photos of interior/exterior of property

Last 2 years business tax returns for project if it is an income producing property



Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


Boca Raton Office 

Executive Office

101 Plaza Real S

Suite 222

Boca Raton, FL 33432


Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hoolywood, Florida 33020



Phone: +1 954 889-5827


Or use our contact form.

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