Series 1000 | Multi-Tenant Industrial, Retail, & Office Prefer Southern California Market Area |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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5 Yr fixed | 6.375% | N/A | N/A | 6.375% | 1.25 | 70/70/70 | 30/5 | 3-2-1% | $500,000-$7,500,000 |
7 Yr Fixed | 6.625% | N/A | N/A | 6.625% | 1.25 | 70/70/70 | 30/7 | 3-2-1% | $500,000-$7,500,000 |
10 Yr Fixed | 6.75% | N/A | N/A | 6.750% | 1.25 | 70/70/70 | 30/10 | 3-2-1% | $500,000-$7,500,000 |
10 YR [5+5] | 6.70% | 3.00% | 5 Yr CMT | None | 1.25 | 70/70/70 | 30/10 | 3-2-1%, then Resets | $500,000-$7,500,000 |
Series 2000 | Office/Retail/Commercial/Mixed use/Automotive/ House of worship |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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6 Mo ARM | 7.25% | (-1.00%) | B Of A Prime | 6% Over Start rate | 1.25 | 70/70/70 | 30/30 | 3,2,1% | $500,000-$3,000,000 |
3 Yr Fixed | 7.50% | (-.75%) | B Of A Prime | 6% Over Start rate | 1.25) | 70/70/70 | 30/30 | 3,2,1% | $500,000-$3,000,000 |
5 Yr Fixed | 7.75% | (-.50%) | B Of A Prime | 6% Over Start rate | 1.25 | 1.25 | 30/30 | 3-3-2-2-1% | $500,000-$3,000,000 |
7 Yr Fixed | 8.25% | N/A | B Of A Prime | 6% Over Start rate | 1.25 | 1.25 | 30/30 | 3-3-2-2-2-1-1% | $500,000-$3,000,000 |
Series 3000 | Multi-Tenant Retail, Industrial, Self-Storage, Warehouse, Office- Interest Only available |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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3 YR Fixed | 5.88% - 6.13% | 2.25%-2.50% | 3 YR CMT | 5% over Start Rate | 1.25-1.30 | 75/75/70 | 30/15 | No Prepay Fee | $500,000-$5,000,000 |
5 Yr Fixed | 5.94%-6.19% | 2.50%-2.75% | 5 YR CMT | 5% over Start Rate | 1.25-1.30 | 75/75/70 | 30/15 | No Prepay Fee | $500,000-$5,000,000 |
7 Yr Fixed | 6.45% - 6.70% | 3.00% - 3.25% | 7 YR CMT | 5% over Start Rate | 1.25-1.30 | 75/75/70 | 30/15 | No Prepay Fee | $500,000-$5,000,000 |
10 Yr Fixed | 6.72% - 6.97% | 3.25% - 3.50% | 10 Yr CMT | 5% over Start Rate | 1.25-1.30 | 75/75/70 | 30/15 | No Prepay Fee | $500,000-$5,000,000 |
Series 4000 | Industrial, Office, Retail Southern California Only |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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3 Yr Fixed | 7.45% | 2.75% | 3 Yr CMT | 5% over Start Rate | 1.25 | 70/70/70 | 30/10 | 2-1% | $400,000-$8,000,000 |
5 Yr Fixed | 7.60% | 2.75% | 5 Yr CMT | 5% over Start Rate | 1.25 | 70/70/70 | 30/10 | 3-3-2-1% | $400,000-$8,000,000 |
7 Yr Fixed | 7.70% | 2.75% | 7 Yr CMT | 5% over Start Rate | 1.25 | 70/70/70 | 30/10 | 4-3-3-2-2-1% | $400,000-$8,000,000 |
Series 5000 | Office/industrial/ and mixed used on case by case basis- California Only including Riverside, San Bernardino and the Coachella Valley |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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1 Yr fxed | 7.20% | 3.50% | SOFR | 6% over Start rate | 1.25 | 70/70/65 | 25/10 | 2-1-1% | $500,000-$6,000,000 |
3 Yr fixed | 7.20% | 3.50% | SOFR | 6% over Start rate | 1.25 | 70/70/65 | 25/10 | 3-2-1% | $500,000-$6,000,000 |
5 Yr fixed | 7.10% | 3.50% | SOFR | 6% over Start rate | 1.25 | 70/70/65 | 25/10 | 5-4-3-2-1% | $500,000-$6,000,000 |
SBA | Nationwide - Subject to property & borrower qualifications |
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LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
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SBA 7A | 8.25%-11.25% | 00%-3.00% | WSJ Prime | None | 1.25 | 90/75/75 | 25/25 | 3,2,1% | $500,000 -$5,000,000 |
SBA 504 | 5.50%-8.00% | 2.00%-2.75% | CMT's | Fixed | 1.25 | 90/90/90 | 25/10 | 5,4,3,2,1% | $500,000 -$4,000,000 |
Rates & Terms are subject to change without notice. Some restrictions may apply and borrowers are subject to qualification. This information is provided to assist real estate professionals and investors only, and is not intended for distribution to or for use by the general public. ALB Commercial Capital is a Licensed CA Broker DRE # 01379610. 2476 Lake Ave, Altadena, CA 91001 |