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Get Flexible Commercial Real Estate Loans

What is Integrity 1st Financial Commercial Real Estate Lenders, LLC?

We are a direct lending company that has underwritten hundreds of middle-market commercial real estate transactions. We provide flexible commercial real estate loans for owners and operators nationwide (excluding CA, AZ, NV, NY, NJ) across property types, with tailored hotel and self-storage financing. 
  • 48-hour pre-approvals on qualified files 
  • No church or non-profit loans 
  • Emphasis on NOI, DSCR, LTV, and realistic equity injection 

You will have options available to you that your Bank Can’t Offer You

We provide you access to Bank and Non-Bank Lenders Nationwide.

What loan types do you fund?

  • Flexible commercial real estate loans for acquisitions, refinances, bridge, permanent, and SBA-backed projects (excluding CA, AZ, NV, NY, NJ). We do not fund churches or non-profits.
  • Real estate loan sizes and structures aligned to DSCR, LTV, and sponsor track record. 

How do you underwrite?

  • We underwrite with lender-grade rigor and lender-speed. Expect clear covenants, timely diligence, and candid feedback from senior underwriters.
    – Financing a self-storage facility loan terms: typical LTVs, required cash flow cushions, and debt service coverage expectations explained early.
    – We evaluate hotel deals for RevPAR, brand flags, and replacement capex; we structure sba 504 loan for small hotel acquisition and financing; when project sizing, job creation, and equity injection meet SBA 504 standards, we structure and coordinate the 504 stack.
    – Typical timeline: 48-hour soft approvals, 30–60 days to close on complete files
    – Common profiles: middle-market hotels, self-storage, office, retail 

How fast is your approval?

  • We provide 48-hour pre-approvals on qualified submissions; full close depends on diligence (typically 30–60 days). 

    – Faster closings available with a complete package and an experienced sponsor. 

What are typical underwriting metrics?

We prioritize DSCR, LTV, NOI trends, RevPAR for hotels, and realistic equity injection.