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Welcome to YSP Commercial Loans, a division of Griffin Capital Funding and leading provider of wholesale commercial real estate capital to the commercial lending and mortgage broker community. Our business model is quite simple ---Pay the highest loan premiums while offering some of the most competitive wholesale pricing in the marketplace. Eligible partners can earn up to 3% YSP in addition to any fees they charge the customer.
– Commercial Loan First Trusts - We offer first trust commercial loans up to 75% for general purpose commercial real estate and 65% for special use properties.
– Commercial Loan Second Trusts - We offer commercial loan second trusts up to 10%. We must be providing the first trust commercial loan to offer the second trust. Effective interest rates start as low as P+ .35.
– Church loans that pay Yield Spread Premium, no personal guarantees required, 75% CLTV using our commercial loan first trust and second trust.
– Church loans with 80% LTV's that use the multiple of income approach to qualify for the Church loan.
– Bridge loan - Great for commercial borrowers that are looking to take advantage of an market opportunity and need to close the commercial loan very quickly. Commercial loans can be closed in as little as 1 week.
– SBA Loans - We love SBA 504 commercial loans and pay big premiums for them.
– B&I Loans - We pay YSP on this government guaranteed loan program.
– Stated income commercial loans - We offer stated income commercial loans from $250,000 to $2mm maximum loan to value of 80% and minimum credit score of 650. No second trust permitted on this commercial loan product.
Commercial loans are available from $250,000 to $15 million or more for most commercial property types. Take the first step to financial success and pre-qualify your commercial loan online. Eligible commercial loans can expect a letter of interest within one business day. Most property types qualify for our commercial loans, however we do not lend on raw land, farming, mining, adult entertainment, bars.
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| Our competitive advantage: |
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| Speed–You can expect a term sheet in 24 hours and a loan commitment within
one week of submission of a complete loan package.
Flexible Third Party Guidelines–You can choose who does the property inspections and appraisals in most cases.
Zero Point Loans – Offer your customer great rates and terms while charging no points.
Pricing–We offer some of the most aggressive wholesale rates in the industry.
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