Commercial Underwriters

Pen Pointe, experts in commercial loans

We underwrite every loan in house, then match it with the lenders best suited to fund it.

Why in-house underwriting matters

Most brokers pass your file straight to a lender and wait. We underwrite it first. That means gaps in documentation, debt schedules and financial statements are caught and resolved before a lender ever sees them.

Our relationships with banks, SBA lenders, bridge and hard money lenders, and commercial management companies let us match each underwritten loan to the right source of funding, whether you’re buying, building, refinancing or growing a business.

How it works

Send your documents

Download the application forms, complete them, and upload them through our secure form.
We underwrite in house

Our team reviews your file before anything goes to a lender, so issues are found and fixed early.
We match you with a lender

We place your underwritten loan with the banks, SBA lenders or private capital best suited to it.
We attend your closing

A Pen Pointe loan officer is at every closing to see the transaction through.

What we finance

See all loan programs

Small business

SBA 7(a), 504 and Micro loans
SBA non-real estate loans
Business acquisition loans
Owner-occupied businesses, sale or refinance
Working capital

Construction and land

New construction
Land purchases and loans
Acquisition and development
Mixed-use development
Ground lease financing
Remodels and renovations

Property types

Hospitality
Restaurants, bars and clubs
Shopping centers and retail
Medical: clinics, dental, optometry
Multifamily, new or existing
Industrial warehouses

Bridge and structured

Hard money loans
Bridge and DSCR loans
Mezzanine financing
Joint ventures
True non-recourse loans
Purchases and refinances: cash-out or rate and term

SBA loans for established businesses

SBA-backed loans offer long repayment terms and competitive rates for businesses with strong credit and at least two years of operating history. The application takes more work, and we guide you through each document.

Compare SBA 7(a) and 504

SBA 7(a) loan amount: Up to $5 million
Real estate term: Up to 25 years
Non-real estate term: Up to 10 years
SBA 504 down payment: Typically 10%

Financing and property, under one roof

Pen Pointe Commercial Underwriters works alongside our parent firm, Pen Pointe Brokers, a licensed commercial real estate brokerage. If you need a location as well as financing, our agents help you lease or buy the right space and negotiate terms that protect your business.

We advise clients against personally guaranteeing a commercial lease, and we attend every closing so nothing is left to chance.

About Pen Pointe Visit Pen Pointe Brokers

Common questions

Read all FAQs

How long does it take to find out about a loan?

Once we have the information needed to begin underwriting, an initial answer takes 5 to 10 minutes. Finding lease space takes longer, because we first schedule a consultation to understand what location suits your business.

How long does an acquisition and development loan take to close?

Underwriting typically takes about 30 days, depending on how quickly we receive the required documents. Delays in paperwork can extend this to 90 days. We aim to close every acquisition and development loan within 90 days.

What if my credit score isn’t perfect?

We can look at alternative loan programs to fit your situation. We also recommend getting a Dun & Bradstreet number for your business, since that is how business credit is rated, and we can help you obtain one.

Are there fees to start the loan or leasing process?

Yes. Upfront fees can include appraisal, loan commitment, environmental (if needed) and loan processing fees. The amounts depend on your financing needs and are discussed at your initial consultation.

Ready to talk about your project?

Call a loan officer, or send your documents and we’ll start underwriting.

Start an application 678-765-8690