Commercial & Specialty Loan Programs
Flexible financing for investors and business owners — from commercial mortgages to hard money loans, proudly serving business owners and investors across the USA.
Commercial Mortgage Loans
Munshi Capital Inc. provides commercial mortgage financing for business owners and real estate investors across the USA. Whether you're purchasing, refinancing, or expanding, our commercial loan programs are structured around the income and value of the property, with flexible terms tailored to your investment strategy.
- Office buildings and mixed-use properties
- Retail centers and standalone commercial buildings
- Multifamily and apartment complexes (5+ units)
- Industrial, warehouse, and self-storage facilities
- Owner-occupied commercial real estate
- Refinancing existing commercial debt
Key Loan Details
Loan Amount
$250,000 – $20M+
Loan-to-Value
Up to 75% LTV
Terms Available
5, 7, 10 & 25-Year
Underwriting
Cash Flow & Asset-Based
Government-Backed Financing for Small Business Owners
Munshi Capital Inc. helps small business owners across the United States secure SBA 7(a) and SBA 504 loans — flexible, government-backed programs built to fund growth, real estate purchases, and equipment needs with favorable terms.
SBA 7(a) Loan
The SBA's flagship loan program, offering working capital, debt refinancing, equipment purchases, and business acquisition financing up to $5 million with government-backed guarantees.
- Loan amounts up to $5 million
- Terms up to 25 years for real estate
- Use for working capital, equipment, or acquisition
SBA 504 Loan
Designed specifically for the purchase of owner-occupied commercial real estate or heavy equipment, pairing a conventional first mortgage with a below-market, fixed-rate second from a Certified Development Company.
- Low down payment, typically 10%
- Fixed-rate, long-term financing
- Ideal for real estate and major equipment
SBA Loan Eligibility
- For-profit business operating in the United States
- Meets SBA size standards for a small business
- Demonstrated ability to repay from business cash flow
- Owner-occupied use for real estate-backed programs
Lower Down Payments
Preserve working capital with government-backed guarantees that reduce lender risk.
Longer Repayment Terms
Extended amortization keeps monthly payments manageable for growing businesses.
Guided Application Support
Our team walks you through SBA documentation from pre-qualification to closing.
DSCR & Hard Money Loans for Real Estate Investors
Munshi Capital Inc., serving investors nationwide across the USA, structures DSCR and hard money loans around your property and your timeline — not a personal income statement. Asset-based underwriting and streamlined processes mean faster decisions and faster closings on your next deal.
DSCR Loans
Debt Service Coverage Ratio loans qualify borrowers based on the income a rental property produces, making them a natural fit for self-employed investors and growing portfolios.
- Qualify using property cash flow — no personal income or tax returns required
- Available for single-family rentals, multi-unit, and short-term rental properties
- Loan amounts sized to the property's rental income and debt service coverage ratio
- Ideal for growing a long-term rental portfolio without W-2 income verification
Hard Money Loans
Short-term, asset-based financing built for investors who need speed and flexibility to compete for time-sensitive acquisitions and value-add projects.
- Asset-based underwriting focused on property value and equity, not credit history
- Closings in as little as 7–10 business days to help you win competitive deals
- Short-term bridge and fix-and-flip financing for value-add investment properties
- Flexible terms for investors moving quickly on time-sensitive acquisitions
Built for These Investment Scenarios
Buy-and-Hold Rentals
Acquire or refinance single-family and multi-unit rental properties based on the income they generate.
Fix-and-Flip Projects
Move fast on renovation opportunities with short-term capital sized to purchase price and rehab budget.
Portfolio Expansion
Scale a rental portfolio without the personal income documentation required by conventional lenders.
Time-Sensitive Closings
Secure competitive properties with an expedited underwriting and closing process built for investors.
Ready to Finance Your Next Deal?
Speak with a Munshi Capital loan specialist today and find the right program for your business or investment.
Proudly serving business owners and investors nationwide across the USA.