Caplli matches your deal with the right lender from a nationwide network of banks, then manages every step to closing. SBA and conventional.
Five quick questions — about 60 seconds
100% confidential. No credit check to get a quote.
Enter your details and a Caplli consultant will review the file and call you.
Deals like yours go to our asset-based and private-capital lenders rather than a high-street bank — they weigh the asset more heavily than the credit file, and they fund. Enter your details and a consultant will tell you straight what's achievable.
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A Caplli consultant will call you within one business day. Want to move faster? Complete your application now and we'll have everything we need before that call.
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From 6.00% — below Prime
From 5.50%
From 6.25%
From 5.50%
Most owners waste months chasing banks that were never going to approve them. Different banks have different rate structures, risk appetites, and DSCR requirements. Without inside knowledge, you're guessing.
Every bank has its own rate structure, industry preferences, and approval criteria. A deal rejected at one bank can sail through at another at a better rate. You'd never know that without seeing the whole market.
Some banks lend from deposits at lower rates. Others borrow and add a spread. The difference between the right and wrong lender is tens of thousands in extra interest over the life of the loan.
Chasing appraisals. Coordinating title. Going back and forth with underwriters. Without a dedicated project manager, deals stall, deadlines slip, and contracts expire.
Size your loan and payment below, then we'll tell you whether your file fits this pricing.
5-year fixed · 15-year amortization
5.65%
To 85% of value
5-year fixed · 20-year amortization
5.70%
To 85% of value
5-year fixed · 25-year amortization
5.75%
To 75% of value
*Indicative pricing on owner-occupied commercial real estate, quoted before Caplli's standard loan fee. To hold it, a commitment letter must be signed by 1/31/2027 and the loan must close by 3/31/2027. Your final rate and structure are set by full underwriting and lender approval. Caplli arranges commercial finance and is not a lender.
Campaign pricing on 7(a) where the deal includes the commercial property — the structure that earns the longest amortization and the sharpest rate.
SBA 7(a) · to 25-year amortization
6.00%
Loans to $5M · property must be included
*Indicative pricing on SBA 7(a) loans secured by owner-occupied commercial real estate, quoted before Caplli's standard loan fee. Your final rate and structure are set by full underwriting and lender approval. Caplli arranges commercial finance and is not a lender.
Bridge funding to take down the asset now, interest-only while you stabilise it, then a refinance once the numbers are there.
3-year interest-only
6.50%
To 70% of value · 1.00× DSCR floor
*Indicative pricing on multifamily bridge loans, quoted before Caplli's standard loan fee. Your final rate and structure are set by full underwriting and lender approval. Caplli arranges commercial finance and is not a lender.
Each product has different amortization, rate spread, and DSCR expectations. The tool picks the right one for your deal automatically — no guessing which calculator to use.
| Product | Range | Amort | Typical rate | Who it's for |
|---|---|---|---|---|
| Commercial real estate (permanent) Special 5.65% | $1M – $100M+ | 25-yr amort | from ~5.50% (life co / bank / CMBS) | Retail, office, industrial, mixed-use, self-storage |
| Multifamily (agency) | $1M – $100M+ | 30-yr amort | from ~7.00% (10Y UST + 175 bps) | 5+ unit apartments — Fannie Mae, Freddie Mac |
| HUD / FHA multifamily | $1M – $100M+ | 35–40 yr amort | 10Y UST + spread | Apartments and senior housing. Non-recourse, assumable, fixed for the full term |
| Residential investment (DSCR / Non-QM) | $100K – $3M | 30-yr amort | from ~6.50% | SFR, duplex, triplex, fourplex — no personal income check |
| Fix & flip | $75K – $1.25M | I/O · 9–24 mo | from ~9.99% + 1.5 pts | Up to 100% of purchase and rehab. 1–4 unit, non-owner-occupied |
| Residential bridge | $50K – $5M | I/O · 12–36 mo | from ~7.50% | Fast close on a 1–4 unit purchase or auction buy |
| SBA 7(a) with real estate Special 6.00% | $500K – $5M | 25-yr amort | from 6.00% (below Prime) | Owner-occupied CRE, business acquisition including the building |
| SBA 7(a) business only | $500K – $5M | 10-yr amort ⚠ | from 8.00% (Prime + 1%) | Business acquisition without RE — goodwill, equipment, working capital |
| SBA 504 | $500K – $25M+ | 10 / 20 / 25-yr | from ~6.40% | Owner-occupied property and heavy equipment. Total project can exceed the debenture cap |
| SBA Express working capital | $50K – $500K | 10-yr amort | from 9.00% (Prime + 2%) | 36-hour approval · $250K+ annual revenue · 2+ yrs operating |
| USDA B&I (rural) | $1M – $25M | up to 30 yr | from 7.00% (Prime + 0%) | Hotels, senior living, RV parks and owner-occupied property in towns under 50,000 |
| Bridge / private capital Special 6.50% | $500K – $50M+ | I/O · 12–36 mo | from ~8.99% | Time-sensitive acquisitions, value-add, bridge-to-perm |
| Construction | $500K – $50M | I/O during build | from ~6.40% (SOFR + 225) | Ground-up and major repositioning, converting to permanent on completion |
| C-PACE | up to $200M | up to 30 yr | fixed, assessed on the property | Energy, water, resiliency and seismic work. Sits outside the mortgage |
| Equipment finance | $10K – $50M | 3 – 10 yr | quoted per asset | Machinery, fleet, medical and kitchen. Lease or finance agreement |
| Receivables / factoring | $10K – $40M | revolving | from ~6.50% | Businesses selling on terms. Non-recourse, recourse and international |
Swipe the table to see rates and who each product suits
Indicative starting rates, not quotes — final pricing depends on the deal, the sponsor and full underwriting.
Buying a business, purchasing commercial real estate, or refinancing for a lower rate — we structure the deal so you come out ahead.
Buy a business or owner-occupied property with as little as 10% down. We work with banks that price below Prime rather than the inflated rates most borrowers settle for. SBA-approved franchises can qualify with no prior industry experience.
Already carrying an SBA loan or high-interest debt? If the property has appreciated and the business is performing, we can refinance into conventional at a materially lower rate.
Own a retail center, warehouse, or leased commercial building? We refinance investment property at lower rates and free up capital for the next acquisition.
Opening a franchise on the SBA-approved list? You may qualify with no prior industry experience. We hold relationships with banks that specialize in franchise lending.
See one that fits your deal? Find out in sixty seconds whether you qualify.
Check if you qualify → Five questions. No credit check, no fee to find out.Free quote, no credit check. A consultant calls you to begin the initial due diligence — reviewing documents, cash flow, and how the loan should be structured.
Answer five questions here, then a short secure form. About 10 minutes.
A Caplli consultant calls to understand your goals, then builds the file: documents, cash flow, and how the loan should be structured.
We identify the lenders with the best rate, terms and appetite for your deal, negotiate on your behalf, and put the offers in front of you.
You pick the term sheet. A dedicated project manager coordinates bank, title, appraiser and every third party through to funding.
If you're buying, expanding, or refinancing a commercial property or business, there's a good chance we can help.
Doctors opening locations, buying real estate, or expanding.
Retail stores, grocery, and shopping centers — owner-occupied or investment.
Warehouse, manufacturing, and logistics space.
Opening or expanding an SBA-approved franchise.
GC, MEP, and specialty contractors with an operating history.
Large-scale infrastructure — data centers, solar, hospital facilities.
Sixty seconds tells you whether your deal fits.
Check if you qualify → $1M to $100M+ · SBA and conventional · all 50 statesThe Caplli team has assisted us with loan processing multiple times, demonstrating their expertise, efficiency, and dedication. They are knowledgeable, helpful, and ensure a smooth and swift process.
The Caplli team takes a creative approach to structuring loan requests. They help you with every step, keeping your long-term goals and overall financial impact in mind.
Not to get a quote — that is free and there is no credit check. Once you decide to go ahead, a consultant calls you to begin the initial due diligence, and that stage carries a $500 fee, refunded in full if we cannot get you terms. From there our team works directly with you and any co-borrowers to put together every document a lender needs for approval — the part of the process that takes the most time and effort.
We focus on commercial loans from $1 million up to $100 million. That lets us give each deal the time it needs to land the best terms.
650 or above is our baseline and 700+ is ideal for the sharpest pricing. Below 650 is harder, but not automatically a no — we also place bridge and private-capital deals where the asset carries more of the decision. Tell us the situation and we'll be straight with you.
Once documents are in, conventional loans close in about 45 days. SBA typically runs 45–60 days depending on industry-specific requirements like environmental assessments.
Our core focus is established businesses with 2–3 years of tax returns, or acquisitions of businesses that already have them. Pure startups fall outside conventional and SBA appetite, though an acquisition or franchise on the SBA-approved list is a different conversation.
Yes. If the property has appreciated and the business has performed for at least two years, we can often refinance into conventional at a significantly lower rate.
Nationwide for SBA. Conventional coverage is strongest in Texas and expanding.
A bank can only offer you its own box. Caplli knows which lender prices your deal type and industry best, and manages the process end to end as your project manager.
Sixty seconds to check if you qualify. Free quote, no credit check. A Caplli consultant reviews your file and calls you.
Check if you qualify →$1M to $100M+ · SBA and conventional · rates from 5.50%