About - PRC Small Business Loans

About PRC Small Business Loans

PRC Small Business Loans for commercial real estate provide small business owners the ability to obtain high leverage loans that allow them to own rather than rent. A Small business loan for commercial real estate may provide as much as 100% financing for certain medical facilities, but more typically 80% to 85% financing. This reduces the amount of equity required to purchase or construct a new building.

At PRC Small Business Loans, we make the process easy for small business owners seeking to purchase, refinance, construct or renovate their facility. As a direct correspondent, we have discretionary control over pricing, terms and conditions. This allows us to respond fast to loan requests. Our clients can have confidence in our ability to close quickly on qualified transactions. Because we are not a bank, clients do not have to worry about moving cash accounts.

Your Partner for Success!

Our Mission

Our Mission is to structure financing solutions that allow small businesses to flourish. We execute all loan requests with insight, agility, and expertise. We work hard to ensure your company’s financial success.

Our Values

We’ve provided access to over $136 Million in funding to businesses across the United States. We value our relationships with applicants above all. We don’t just close loans, we provide guidance and long-term help.

Our Commitment

Through the development of flexible, aggressive and innovative financing, we are committed to helping small businesses succeed. With a customer-first mindset, we create small business financial success stories.

SBA 504 Loans

SBA 7a Loans

Conventional Loans

Any Questions?

What types of loans are available?

At PRC Small Business Loans, we provide loans designed to address any commercial real estate need for small business owners. These loans can range from conventional financing, loans secured by a small business administration guarantee, or a USDA loans and or guarantees.

What can they be used for?

PRC Small Business loans are used to purchase, refinance or construct commercial real estate property. Typical loan sizes can range from $1MM to $15MM.

Why buy instead of rent?

When small business owners purchase commercial real estate, they accelerate the value of their business resulting from the equity building up in the real estate. The increase of equity happens in two ways, (1) by paying down the debt the cash equity in the real estate increases and (2) the value of the real estate also increases over time. Small business owners can leverage the value of the real estate to generate working capital for future expansion or growth capital.

Small business owners who rent their building do not benefit from the ability that appreciating real estate assets provides. Instead, they build value for the landlord and are exposed to inflating rental rates that over time may have a negative effect on their business operations.

How do I qualify?

To qualify for a small business real estate loan, the borrower or borrowers must have a credit score of at least 650 and solid personal balance sheet demonstrating additional income sources to repay the loan. Additionally, the business intended to occupy the property must demonstrate the ability to repay the loan from business operations.

The typical documents needed to underwrite a small business loan request include:

Commercial Real Estate Loan Application
Personal Financial Statement
Most recent 3-years personal and business tax returns
Resume on the Applicant and a Summary of business operations
Year to Date Financial Statement and Balance Sheet for the business
Call 877-350-9416