$1MM to $5MM secured by the commercial property your business operates from — a term loan and a revolving line of credit in one approval, underwritten on cash flow rather than credit score.
If your business owns the commercial property it operates from, that equity can back a large, flexible facility. This program lends against owner-occupied commercial real estate in first position and splits your approval into two pieces: a term loan for what you need today and a line of credit you can draw on as needs come up.
Terms are 3 years, interest-only, so payments stay low while the capital goes to work. Underwriting leans on your business's cash flow — there's no minimum credit score.
Apply in minutes. No obligation, and Mondra Capital does not perform hard credit pulls without your prior consent. We review your file and present your best available terms.
Start Free ApplicationSee If You QualifyGeneral program terms. Final amount, rate, and structure are set in underwriting.
Your approval is split between a term loan and a revolving line of credit. For example, a $1MM approval might be delivered as a $600K term loan plus a $400K line of credit — lump-sum capital for a defined need, with a reserve you draw only when you need it.
Funded at closing for expansion, renovations, equipment, inventory, or paying off higher-cost debt.
Draw, repay, and draw again during the term — for working capital swings, opportunities, or a cash cushion.
Pay interest only for the 3-year term, keeping monthly payments low while the capital is working for you.
The property must be commercial and occupied by your operating business. Residential properties and investment properties are not eligible.
This program lends in first lien position. If there's an existing mortgage on the property, it is refinanced and paid off at closing so this facility comes in first.
There's no minimum credit score and credit is rarely pulled. Approval is driven by the business's cash flow and financial statements.
A personal guarantee from the business owner(s) is required. U.S. citizens and green card holders are both eligible.
Existing short-term business funding positions can be paid off with the proceeds, consolidating them into one lower-cost facility.
Available nationwide except California and Hawaii.
Because underwriting focuses on cash flow, financial statements are the core of the file.
For 2024, 2025, and 2026 year-to-date.
All existing business obligations — lender, balance, monthly payment, and maturity for each.
If you have a recent appraisal on the property, include it — it can speed up the process.
Commercial property that your own business occupies and operates from — for example, a warehouse, shop, office building, or retail location you own. Residential properties and properties held only as investments are not eligible.
Yes. The program lends in first position only, so the existing mortgage is refinanced and paid off at closing. The total facility is sized at up to 70% of the property's value.
The rate floats at the WSJ Prime Rate plus a spread, which currently works out to about 12%–14%. Because it's floating, the rate moves with Prime over the term.
There's no minimum credit score, and credit is rarely pulled on this program — the lender relies on the business's cash flow instead. Mondra Capital does not perform hard credit pulls without your prior consent.
Typically 30–45 days from the moment the term sheet is signed, which allows time for the property review and closing.
Yes. Existing short-term business funding can be paid off with the proceeds, replacing several daily or weekly payments with one interest-only payment.
No obligation, no credit impact. Apply in under 5 minutes and get real options within one business day.
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