Commercial financing questions,
answered plainly.

EZ Commercial Capital is a commercial financing advisory and brokerage firm, not a direct lender. We help borrowers organize the opportunity, understand possible structures, prepare for underwriting and approach suitable lending or capital partners.

We review the preliminary information, identify the questions that matter most and prepare for a discovery conversation. If both parties decide to proceed, we establish the appropriate intake, document and lender-review process.

No. The Deal Pre-Check provides general educational ranges and possible financing paths. It is not an application, approval, commitment, rate lock, term sheet or offer to lend.

Yes. Many clients begin with a goal rather than a product name. We first determine what the capital must accomplish, then compare structures, tradeoffs and preparation requirements.

Choose the primary financing need on the Start Here form, then select the option showing that the opportunity includes both. This helps us consider the operating business, property, use of funds and ownership structure together.

Potential paths may include term loans, business lines of credit, SBA 7(a), SBA 504, equipment financing, acquisition financing, accounts receivable financing, asset-based lending, purchase-order financing, inventory financing and structured capital.

Examples include multifamily, mixed-use, office, retail, industrial, warehouse, self-storage, hotels, mobile home parks, RV parks, medical properties, owner-occupied buildings and other specialty assets. Availability depends upon the property, sponsor, market and transaction.

EZ Commercial Capital does not impose a stated maximum transaction size. Lender capacity, concentration limits, collateral, leverage, sponsor strength and market conditions determine the practical financing range.

A debt-service-coverage-ratio loan is commonly used for non-owner-occupied rental property. Qualification focuses heavily on whether property income can support the proposed debt payment, although credit, reserves, valuation and property eligibility still matter.

Bridge and private-credit financing are generally short-term structures used for speed, transition, renovation, stabilization, unusual complexity or situations that do not yet fit permanent financing. Cost, leverage, recourse, extensions and the repayment exit require careful review.

Yes. The review typically considers purchase price, renovation scope, budget, current value, after-repair value, experience, liquidity, carrying costs and the sale or refinance exit.

Yes. Larger requests may involve one lender, a participation, a syndication or a layered structure using senior debt, subordinate capital or equity. The pre-check does not apply an artificial maximum.

Depending upon the transaction, lenders may request personal and business tax returns, financial statements, debt schedules, bank statements, property information, rent rolls, leases, purchase agreements, construction budgets, entity documents, personal financial statements and identification.

No. Do not place Social Security numbers, account numbers, tax returns, bank statements, credit reports or identification into preliminary website forms. EZ Commercial Capital will provide a secure document process when appropriate.

Timing varies considerably. In limited cases, certain business financing or private-credit transactions may fund within 24 hours. Other private-credit transactions may close in days or weeks, while bank, SBA, construction and complex commercial real estate financing may require considerably longer. Complete information, third-party reports and prompt responses often affect the schedule.

No credit inquiry is authorized by submitting the Start Here form or Deal Pre-Check. Credit should only be requested after the appropriate authorization and process are established.