Tailored Solutions: Specialized Commercial & Business Loan Programs
Our Specialized Loan Programs are designed for complex, time-sensitive, or unconventional scenarios—providing flexible solutions when traditional lenders may fall short.
Welcome to the Specialized Loan Programs section at Crestico. While many financing needs can be met through traditional commercial real estate or business loan products, we recognize that certain situations demand a more customized or unconventional approach. Some projects or borrowers may have unique circumstances, time-sensitive requirements, or asset profiles that don’t neatly fit into standard lending boxes.
That’s where our specialized loan programs come in. Crestico offers a range of alternative financing solutions designed to provide flexibility, speed, and creative structuring when standard options may not be the ideal fit. Our experienced team is adept at understanding complex scenarios and finding viable pathways to funding for even the most unique commercial and business needs.
Specialized Commercial Loans | Hard Money & Portfolio Options?
When Standard Financing Isn't Enough, We Offer Alternatives
Our specialized loan programs are often considered when:
Speed is Paramount
You need to close on a deal exceptionally fast.
The Property is Unique or in Transition
The property might be distressed, require significant repositioning, or have an unconventional use.
Credit or Documentation Challenges Exist
The borrower’s credit history or income documentation might not meet traditional bank standards, but there’s strong collateral or a compelling story.
A Bridge is Needed
Short-term financing is required to “bridge” a gap until permanent financing can be secured or a property is sold.
Conventional Lenders are Unable to Assist
Banks or traditional lenders may have declined the loan due to strict underwriting guidelines.
Explore Our Specialized Loan Offerings
Crestico provides the following specialized financing solutions to meet these distinctive needs:
Hard Money & Private Money Loans (Commercial)
When speed and asset-based lending are critical, hard money loans (often from private investors or specialized funds) offer rapid funding based primarily on the equity in commercial real estate. Ideal for time-sensitive acquisitions, fix-and-flip projects, or situations requiring quick capital.
Portfolio Loans (Commercial)
As a lender that sometimes holds loans in our own portfolio rather than selling them on the secondary market, we may have greater flexibility in underwriting and structuring terms for unique commercial properties or borrower situations.
Why Consider Specialized Loans from Crestico
Our specialized loan programs are often considered when:
Creative Problem-Solving
We look beyond the numbers to understand the full picture and work to find solutions.
Flexibility in Underwriting
While still diligent, our specialized programs can often offer more adaptable criteria.
Focus on Viability
We assess the overall viability of the project or the strength of the collateral.
A Bridge is Needed
Our team has experience in structuring non-traditional financing.
Navigating Your Financing Options
We understand that the range of commercial and business loans can seem complex. Our website is designed to provide clear, concise information to help you identify potential solutions. We encourage you to explore the specific loan program pages for detailed information.
If you’re unsure where to begin or would like personalized guidance, our experienced loan specialists are ready to listen to your needs and help you navigate your options, ensuring you make an informed decision.