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
- 44
- States licensed & lending
- 30–45 days
- Typically closes
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
Deals that fit our programs are funded by us, without shopping them to outside banks or re-trading terms.
Close on your timeline
A complete file typically closes in 30–45 days.
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% | Fully amortized, 25 or 30 years |
| Foreign National / Investor LoansNo US credit required | $200K – $5M | Up to 65% | 5 or 10-yr fixed, 25–30-yr amort |
| Bridge FinancingPre-LOI in 24–48 hrs | $1M – $10M | Up to 70% | 6–24 months |
| Fix & Flip ResidentialAs fast as 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. In-House Underwriting. No Runaround.
As a direct lender, we underwrite and fund loans that fit our programs in-house. Cressida Direct is the direct lending platform. Cressida Capital is the brokerage / loan advisor platform. Requests outside our programs may be referred to Cressida Capital.
Direct Lender
We underwrite and fund loans that fit our programs in-house.
No Tax Returns Required
Bank statement, lite doc, and DSCR programs designed for self-employed and investors.
Typically 30–45 Days
A complete file typically closes in 30–45 days.
Nationwide Coverage
Licensed to lend in 44 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. YSP available on most programs.
- 24-hour for a soft quote
- Dedicated loan advisor for every deal
- Access to all 9 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?
How is Cressida Direct related to Cressida Capital?
Ready to Fund Your Next Deal?
Our team reviews every submission within 24 hours. Get started today.