Private Equity & CRE, Commercial Real Estate Loan Programs

Please find below the detailed loan program criteria for Pro Business Group Inc.’s capital financing options. These programs cover a range of investment needs, from private equity loans, short-term bridge loans, to long-term rental financing. a last resort, I’m able to get you access to your mortgage equity with a minimum FICO score of 500,

Business Advisory Tools

Business Private Equity Unsecured Loan Programs

• 5-7 Year Term Loan Program:

• • Funding Range: $50,000 to $500,000 (deposited into your personal account)

  • Terms: 5-7 years with a fixed APR and monthly payments

  • Proof of $50,000/year personal income for the last two years on personal tax returns

  • Min Fico: 680 

• Business Credit Card Program:

• Funding Range: $50,000 to $150,000

•  Interest: 0% for 6-12 months

• Reporting: Reports only to the business side

Stabilized Bridge Programs

• Single-Family (1-4 Units):
  • Term: 12 Months (Extended terms available)
  • Min. Loan Amount: $75k
  • LTV (Purchase): Up to 80% of As-Is value or 80% Loan-to-Cost
  • Min. FICO: 650
• Multi-Family (5+ Units):
  • Term: 12 Months (Extended terms available)
  • Min. Loan Amount: $250k
  • LTV (Purchase): Up to 75% of As-Is value
  • Min. FICO: 680

DSCR Debt Service Coverage Ratio

• Minimum DSCR: 1.05
• Loan Amount: $55,000 – $2,000,000
• LTV (Loan-to-Value): * Purchase: Up to 80% (Lesser of As-Is Value or Loan-to-Cost)
  • Refinance: Up to 80% of As-Is Value
  • Cash-Out: Up to 75% of As-Is Value
• Term & Amortization: 30-Year Fixed; Hybrid ARMs (5/1, 7/1, 10/1); Interest-Only options available
• Minimum FICO: 660
• Property Value: Must be $100,000 or greater

Fix and Flip Programs

• Single-Family (1-4 Units):
  • Term: 12 Months
  • LTC: Up to 95% of Purchase + 100% of Renovation (depending on experience)
  • Max ARV: Up to 75% of After-Repair Value
  • Rehab Categories: Light (2.5%–50% of value), Moderate (50%–100%), and Heavy (>100% or significant expansion)
• Multi-Family (5+ Units):
  • Min. Loan Amount: $250k
  • LTC: Up to 80% of Purchase + 100% of Renovation
  • Max ARV: Up to 70% of After-Repair Value

Long-Term Rental Programs (30-Year)

• Single-Family (1-4 Units):
  • Amortization: 30-Year Fixed, Hybrid ARMs (5/1, 7/1, 10/1), and Interest-Only options
  • Min. Loan Amount: $75k
  • LTV: Up to 80% for FICO scores 700+
• Multi-Family (5+ Units):
  • Max Units: 9 units
  • Min. Loan Amount: $150k
  • LTV: Up to 70% for FICO scores 700+

New Construction (Single-Family)

• Term: Up to 24 Months
• Loan Amount: $100k to $2M
• LTC: Up to 90% Total Loan-to-Cost (depending on experience)

Min. FICO: 650