• (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610
  • (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610

Commercial Loan Programs Rates as of 05/17/2023

Series 1000 Multi-Tenant Industrial, Retail, & Office Prefer Southern California Market Area
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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
LOAN PROGRAM INTEREST RATE MARGIN INDEX CEILING MIN DCR LTV (P/RT/CO) AMOT/TERM PREPAYMENT PERIOD LOAN LIMITS
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