Direct commercial & investment real estate financing
Financing from $200K to $20M — funded directly, not shopped to a bank.
In-house underwriting and direct capital across DSCR, bridge, SBA, and construction — so a deal that doesn't fit a bank's box still gets funded.
- $600M+
- Closed since 2020
- $200K–$20M
- Loan size range
- 45
- States licensed & lending
- 45 days
- Avg. time to close
How it works
Funded directly. No committee, no re-trading.
One team carries your deal from submission to funding — underwritten and closed with our own capital.
Submit your deal
Tell us the property and the ask. No packaging or pre-formatted loan file required.
In-house underwriting
Our own team sizes it against our own credit box — not a guess at what a bank committee might approve.
Direct funding
We fund it ourselves. No shopping the deal to outside banks, no re-trading terms after the fact.
Close on your timeline
45 days on average — sometimes faster when the deal is clean and documentation is ready.
Indicative Pricing
Current Rate Ranges by Program
Transparent starting rate ranges across our core lending programs.
Rates subject to change based on borrower qualifications, property type, and market conditions.
Our Programs
Financing Solutions for Every Deal
From owner-occupied commercial to bridge financing, we have the right program for your scenario. Direct lending means faster approvals and more flexibility.
| Program | Loan Size | LTV | Term |
|---|---|---|---|
| DSCR Commercial LoansDSCR as low as 1:1 | $200K – $3M | Up to 75% | 5 or 10-yr fixed, 25–30-yr amort |
| DSCR Residential Loans30-year amortization | $200K – $5M | Up to 75% | 30-yr amort; 5 or 7-yr fixed |
| No DSCR Residential LoansNo ratio, no income | $200K – $5M | Up to 70% | 30-year / 30-year fixed |
| SBA 504 & 7(a)Lowest down payment | $500K – $20M | Up to 90% | Up to 25 years |
| Owner Occupied CommercialNo tax returns | $200K – $3M | Up to 80% | 5 or 10-yr fixed, 25–30-yr amort |
| Foreign National / Investor LoansNo US credit required | $200K – $5M | Up to 65% | 5 or 10-yr fixed, 25–30-yr amort |
| Fix & Flip ResidentialClose in 5–7 days | $200K – $5M | 85% LTC/ARV | 6–12 months, interest-only |
| Ground-Up Construction100% rehab funds | $200K – $5M | Up to 70% | 12–24 months |
Why Cressida Direct
Direct Lending. No Middlemen. No Runaround.
As a nationwide direct lender, we underwrite and fund every loan in-house. Faster decisions, more flexible programs, and a dedicated team that works for you.
Direct Lender
No middlemen. We underwrite and fund in-house for faster decisions and better rates.
No Tax Returns Required
Bank statement, lite doc, and DSCR programs designed for self-employed and investors.
Close in 30 Days
Streamlined process with dedicated loan advisors to close your deal fast.
Nationwide Coverage
Licensed to lend in all 50 states with deep expertise in commercial real estate.
Proof of Performance
Recent Closings
Real deals. Real results. See how we've helped borrowers and brokers close loans across the country.
| Type | Deal | Location | Amount |
|---|---|---|---|
| Owner-Occupied Retail | Cash-out refinance | Virginia Beach, VA | $750K |
| Investor Office Building | Cash-out refinance | Roselle, IL | $2.34M |
| Mixed-Use Investment | Cash-out refinance | Los Angeles, CA | $395K |
| Office | Refinance | Toledo, OH | $5M |
What They're Saying
Trusted by Brokers & Borrowers
From complex SBA closings to DSCR investment loans, our partners rely on Cressida Direct to get deals done.
“Cressida Direct closed a $6.4M SBA 504 loan for one of my clients when other lenders couldn't make the numbers work. They know the SBA program inside and out, communicated throughout the entire process, and delivered exactly what they promised. They're my first call on any commercial deal.”
“I had a mixed-use investor who needed a $1M DSCR loan and Cressida Direct got it done. No personal income verification, no tax returns — just a clean close based on the property's cash flow. My client was thrilled and I've already sent them two more deals since.”
“Cressida Direct structured a $3.2M SBA 504 cash-out refinance that pulled working capital out of my commercial property, plus a $3M line of credit on top of that. I didn't think both were possible in one transaction. Their team made it happen and the execution was flawless.”
Mortgage Brokers
Partner With a Lender That Works as Hard as You Do
Join our nationwide broker network. Get access to flexible programs, fast approvals, and competitive compensation. Our dedicated team supports you from submission to close.
- Up to 3% compensation on funded loans
- 24-hour for a soft quote
- Dedicated loan advisor for every deal
- Access to all 8 loan programs
- Real-time loan status updates
Common Questions
Frequently Asked Questions
What types of properties does Cressida Direct finance?
Do I need tax returns to qualify for a loan?
What is the minimum and maximum loan amount?
How fast can Cressida Direct close a loan?
How do mortgage brokers partner with Cressida Direct?
What is DSCR and how does it work for investment loans?
Ready to Fund Your Next Deal?
Our team reviews every submission within 24 hours. Get started today.