Key features
- Access eligible real-estate equity for business investment, working capital, expansion, equipment, inventory, real-estate investment and other permitted uses
- Programs may be available for newly established or returning business owners without a lengthy operating history
- EIN-based and alternative-qualification programs may be available depending on the lender, collateral and transaction
- Options can include short-term bridge financing, first liens, second liens and other eligible business-purpose structures
- Alternative income documentation, challenged credit and equity-focused programs may be available for qualifying scenarios
- Permitted use of proceeds varies by lender, program and transaction; no fixed percentage is represented
Who this is designed for
Real-estate investors and business owners who have eligible real-estate equity and need capital for a business or investment objective, including a new business, a return to business ownership, expansion or a time-sensitive transaction.
Property types and uses
Depending on lender and transaction guidelines, proceeds may support business investment, working capital, expansion, equipment, inventory, acquiring or improving real estate and other eligible uses. Consumer-purpose owner-occupied transactions require different programs.
Common questions
Can I use real-estate equity to start or restart a business?+
Potentially. Eligible business-purpose programs may be available for newly established or returning business owners. Some lenders offer EIN-based or alternative qualification without requiring a lengthy operating history, subject to the full transaction and program requirements.
Do all of the loan proceeds have to be used for the business?+
Not necessarily. Permitted use of proceeds varies by lender, program and transaction. We'll review your goals and determine which eligible financing structure fits.
Do business-purpose loans require tax returns?+
Not always. Some programs focus more heavily on collateral, equity, business purpose and exit strategy, while others require income or financial documentation.
Can I keep my existing first mortgage?+
In some eligible scenarios, a business-purpose second-lien structure may allow the existing first mortgage to remain in place. Availability depends on property, equity, purpose and lender.
What can business-purpose financing be used for?+
Eligible uses can include business investment, working capital, expansion, equipment, inventory, real-estate investment and other lender-permitted business purposes.
How is a bridge loan repaid?+
Common exits include sale of a property, completion of a renovation or stabilization plan, business cash flow, or refinance into longer-term financing. The exit must fit lender requirements.
Related financing
Tell us your scenario
CTC Equity compares your scenario across its lender network. Program availability, pricing, leverage and documentation requirements vary by lender, borrower and property.