Genesis Global Investment Group offers a variety of commercial loan programs tailored to meet the diverse needs of businesses, real estate investors, and developers.

Here's an overview of our available programs:
- Fix & Flip Loan
- Bridge Loan
- Ground-up Construction Loan
- Cash-Out/Rate &Term Refinance
- Rental Hold/Rental 360
- Multi-Family/Mixed Use
- Small Balance Commercial Bridge Loan
- Real Estate Portfolio Loan

See link for Commercial Loan Programs

When evaluating fees in commercial lending, borrowers should be aware of a variety of costs.

Here’s an overview of common fees associated with commercial loans:
- Origination fees: Usually a percentage of the loan amount, ranging from 0% to 2%
- Appraisal fees: $2,000 to $10,000+, depending on the property type and size.
- Credit report fees: $100 (credited at closing)
- Underwriting fees: $2,500
- Title fee: $2,500+ for title search/$15,000 for title insurance.
- Inspection fee: $0.03-0.10 per square foot
- Broker fees: Usually a percentage of the loan amount, a flat rate of 2.5%.
- Legal fees: (varies)
- Environmental fee: $2,000 to $6,000 or more
- Processing fee: $1995
Fees may vary based on loan specifics. Contact us for a personalized quote.

When considering commercial lending, it’s crucial to evaluate several key terms and conditions that can significantly impact the cost and flexibility of the loan.

Here’s an overview of common terms associated with commercial loans:
- Loan amount
- Interest rate
- Loan to value ratio
- Debt service coverage ratio
- Loan term
- Amortization
- Collateral requirements
- Purpose of loan
- Personal guarantees
- Prepayment terms
- Exit Strategy
- Covenants
- Default and remedies.

See link for Commercial Loan Glossary

Interest rates depend on factors such as:
- The type of loan
- The creditworthiness of the borrower
- The lender's policies
- Property location
- Market condition

Rates can be fixed or variable. (Typically 8% to 12%)

We understand the importance of protecting your credit score.

Here's what you can expect during the application process:
Pre-Qualification: To give you an idea of your loan eligibility, we may perform a soft credit pull. This step helps us assess your creditworthiness without impacting your credit score.

Formal Application: If you decide to move forward with your loan, we will conduct a hard credit pull as part of the underwriting process. This provides us with a comprehensive view of your credit profile to finalize your loan terms.

Our team values transparency and works with you to ensure that every step of the process is clear and tailored to your needs. If you have questions about how credit checks work, feel free to contact us!

**Note: Our min credit score 650

To apply for a commercial loan, you will typically need to provide the following documents:

-List of real estate owned
- Three years of tax returns (Business and personal accounts)
- Investor business proposal or executive summary
- Proof of business registration (ex. EIN, Articles of organization, Operating agreement)
- Three months of recent bank statements/personal financial statements (to confirm funds for the down payment and closing costs)
- Scope of work & permits (A detail break down of the renovation budget)
- Purchase contract and addendums
- Photo Id & SS# (ex. Copy of Driver license)
- Documentation for any collateral, if applicable

** Depending on the type of commercial loan, additional specific documents may be required. If that's the case, we will provide you with a list of the necessary documents.

Approval times vary by lender but usually take anywhere from a few days to several weeks (15 to 30 days), depending on the loan complexity and the completeness of the application.

The 4 C's of commercial loan lending are key factors lenders evaluate to determine a borrower’s creditworthiness. These criteria help assess the risk of lending and the borrower's ability to repay the loan.

Here’s what they entail:
1.) Character evaluates trustworthiness.
2.) Capacity measures repayment ability.
3.) Capital gauges the borrower’s financial commitment.
4.) Collateral provides security for the lender.