Non-Bank Financing Solutions

Our loan programs are specifically designed for small businesses and investors who seek financing solutions that provide more flexibility and less complicated underwriting in comparison to traditional bank financing. We offer stated and full documentation loans for commercial real estate properties; as well as unsecured business lines of credit for startups and existing businesses.

Quick closings, higher loan amounts and unrestricted use of funds are just some of the benefits of our programs. From investment and commercial property acquisitions, cash out refinances and working capital for business expansion; Fintrus can provide a customized solution to fit your needs.

ARV Rehab

Our best solution for investors seeking a short-term interest only loan based on the property’s “as repaired value” (ARV). Rates starting as low as 7.99%. Interest charged on outstanding balance only; so you don’t pay for funds you’re not using.

Key Features:

  • Higher LTV than hard money
  • Lower interest only payments
  • Great for borrowers needing quick closings
  • Up to 100% renovation and construction costs
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1-4 Unit Rental

Designed for investors looking to buy and hold residential rental properties. A simple financing solution for the purchase or refinance of 1-4 unit properties with flexible underwriting and longer terms. Loans for borrowers with credit scores as low as 580.

Key Features:

  • Great for qualifying W2 and self employed investors
  • No tax returns or DTI calculation
  • Up to 30 year fixed terms
  • Options for borrowers with challenged credit
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30-Year Fixed Commercial

Ideal solution for non-bankable projects that require long term financing on multi-family, mixed-use and small balance commercial properties. Up to 80% LTV and rates as low as 6.00% on investor and owner-occupied properties.

Key Features:

  • Competitively low rates
  • Higher LTV compared to hard money
  • Variety of eligible property types
  • Unrestricted cash outs
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Non-Recourse Commercial

For larger commercial projects that need a non-recourse loan based solely on the real estate collateral where the borrowers are not liable in the event of a default. Loan amounts from $1M to $10M on a variety of commercial real estate properties.

Key Features:

  • No personal liability (subject to standard carve-outs)
  • Longer terms & amortizations
  • Higher loan amounts
  • Assumable to a new owner
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Eligible Property Types









Unsecured Business Lines

Get up to $150,000 in unsecured and revolving lines of credit in as little as 10 days. Separate, preserve and protect both your business and personal credit profiles. Use funds for property acquisitions, expansions, operating expenses and more.

Key Features:

  • Low documentation requirements
  • No upfront fees
  • Low cost financing
  • For startups and existing businesses
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