Small Balance Commercial

Considering purchasing or refinancing investment real estate and require financing under $7MM? Since launching its $225MM SBIR IV Fund in 2014, IBS, N.A. has emerged as a national leader in the origination of commercial & investment real estate loans under $7MM  Take advantage of our Small Balance program that is designed to capture financing opportunities which were passed on by depository lenders.


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 $7,000,000

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: 630

-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

- Foreign National Financing Max CLTV of 60%


Property Types

Multifamily – Apartment Buildings

Single Family Investment Properties

Office Buildings



Mobile Home Parks

Garage & Auto Repair

Light Industrial/Warehouse

Storage Facilities


Learn more about the IBS, N.A. affiliated companies who make us the chosen partner for over 7,000 professional real estate investors. Visit IBS Investment Bank at or IBS Real Estate Investment Company at


Learn more about our nation-leading investment real estate lending programs via the links below and reach out to a Relationship Manager for more information:


Conventional Commercial

Bridge & Mezzanine Financing

IBS Power Broker Program

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


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401



Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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