sailboat
sailboat
 

Small Balance Commercial

Are you considering purchasing or refinancing investment real estate and requiring financing under $7MM? Since launching our $225MM financing envelope in 2014, we've emerged as a national leader in the origination of commercial and investment real estate loans under $10MM. Take advantage of our Small Balance program, which is designed to capture financing opportunities beyond the reach of depository lenders.

 

Lending Parameters

  • Transaction Type: Purchase, Refinance, & Cash Out Refinance
  • LTV: 75% Max LTV (based upon asset and location)
  • Rates: WSJ plus 2.00% to 4.00%
  • Fixed Period: 3,5,7,10, and 30-year
  • Points: up to 2.00% (par pricing available)
  • Loan Amounts: $500,000 to $7,000,000
  • Amortization:  up to 30-year fully amortizing (other amortization options available)
  • Rate Caps: 2% for the first year, then 1% periodically
  • Prepayment Penalty: 3% for each year the loan is fixed. No PPP options are available.
  • Rate Buydown: Available with additional origination costs.
  • I/O Periods: Available up to the first 5 years

 

Asset-Based Underwriting Snapshot

  • Personal Tax Returns | Not Required
  • Corporate Tax Returns | Not Required
  • Global Cashflow | Not Required
  • Cross Collateral  | Not Required
  • Income Calculations | Based on current and Gross potential rents
  • Phase 1 Environmental | Not Required, based on environmental insurance approval
  • Minimum Credit Score: 650, with exception(s)
  • Rate lock when loan documents are drawn
  • Impounds for property taxes and insurance required
  • IBS Must Order third-party reports  
  • Foreign national financing at a Max CLTV of 60%

 

Property Types

  • Multifamily 
  • Single-Family Investment Properties
  • Office Buildings
  • Mixed-Use
  • Retail 
  • Mobile Home Parks
  • Light Industrial/Warehouse

 

 

Learn more about our nation-leading investment real estate lending programs by downloading our brochures and guides and visiting the links below. Reach out to a Relationship Manager for more information:

 

Conventional Commercial

Bridge & Mezzanine Financing

IBS Power Broker Program

Contact Us

IBS Family of Companies

 

Downtown W. Palm Beach

Mailing and Appointments

515 N. Flagler Drive

Floor 300 | Suite 448

W. Palm Beach, FL 33401

 

Palm Beach Exec. Office 

IBS Equity Fund & IBS Real Estate Investment Co.

1500 Corproate Center Way

Suite 102

Wellington, FL 33414

 

Trade Finance- CFS  

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020

 

 

Phone: +1 954 889-5827

 

Email: Engage@myinstitutionalbanking.com

 

Or use our contact form.

Print | Sitemap
© Content copyright 2025 IBS Institutional Capital. All rights reserved. This website is intended for illustration purposes only. Despite our efforts to be accurate, these pages may contain errors and information that is no longer current. The information published on this website is subject to change on a regular basis without notice.