Backed by a robust underwriting framework and institutional capital, we offer flexible financing across a wide range of asset classes.
Commercial loans exist to finance property that’s used for business-related purposes, such as shopping malls, warehouses, apartment complexes and office buildings. A commercial loan can be used to buy new property, renovate existing income-producing property or refinance debt on a commercial property you already own.
Often, commercial loans are made to a business entity such as a corporation, developer or trust, though an individual can borrow one as well. Most of these loans require that the property is owner-occupied, meaning your business resides in at least 51% of the building.
Commercial real estate loans work similarly to mortgage loans for personal real estate. One of the main differences is that the loan is secured by a lien against the commercial property rather than a residential property. A lien is a legal claim to a property that can be used as collateral if a loan goes unpaid. In the case of a commercial loan, the lender removes the lien once the loan is paid off.
The exact terms of a commercial real estate loan depend on the specific type of loan, lender, property financed and more. Some common types of commercial real estate loans include:
Your personal credit score gives lenders an idea of your track record with borrowing money in the past. A history of paying back your debts on time and in full, for instance, usually results in good credit. Missed payments, accounts in collections and other problems can cause your credit score to drop.
Similarly, businesses can have their own credit scores. The FICO Small Business Scoring Service, for example, rates the credit risk of small businesses using a three-digit score ranging from 0 to 300.
The score needed to qualify for a commercial real estate loan depends on the particular lender, though a score in the 200s is generally considered good. Keep in mind that your personal credit score may also be considered along with your business score.
In residential mortgage lending, the loan-to-value ratio is used to measure the total value of a mortgage compared to the total value of the property. With a traditional mortgage, it’s possible to borrow up to the full value of your home (depending on the specific loan program), for an LTV of 100%.
With commercial real estate loans, however, lenders prefer a maximum LTV of 75% to 80%. This means you may need to put at least 20% to 25% (or more) down to be approved.
Lenders want to know that you generate enough income to handle new real estate debt. For residential mortgages, lenders look at your debt-to-income (DTI) ratio.
With commercial loans, however, lenders look at a business’s debt service coverage ratio. This measures a borrower’s ability to pay their debts based on the business cash flow. It’s calculated by dividing your annual net operating income by your total annual debt payments. The higher your DSCR, the higher your approval odds.
In most cases, the property being financed serves as the collateral for a real estate loan. In the case of a commercial real estate loan, however, the borrower may be required to make a personal guarantee as well.
This means that if the business can’t make the loan payments and liquidating collateral (i.e., foreclosing on the property) doesn’t produce enough money to repay the loan, the borrower is personally responsible for covering the difference.
All commercial loans are financed by Liverpool Investment LLC. Liverpool Investment is a Singapore-based financial institution focused on delivering customized credit solutions to global clients. Backed by a robust underwriting framework and institutional capital, Liverpool Investment offers flexible financing across a wide range of asset classes.
Expanding beyond Asia, Liverpool Investment is now actively growing its presence in the United States, with a focus on originating flexible, asset-backed loans for real estate, business, and individual borrowers. From property-secured credit lines to structured commercial and personal collateralized loans, Liverpool Investment is committed to enhancing liquidity and financial agility in the U.S. lending market.
Processes
Step 1: Submit Your Inquiry
Complete the initial contact form on this page. Your information will be securely transmitted to Liverpool Investment's credit team for review.
Step 2: Pre-Qualification
Within 2 business days, Liverpool Investment will assess your eligibility based on the asset profile, loan purpose, and basic documentation. If suitable, a preliminary term sheet will be issued.
Step 3: Due Diligence & Documentation
Upon acceptance of indicative terms, Liverpool Investment's team will collect required documents, conduct underwriting, and verify collateral value.
Step 4: Final Approval & Closing
After approval, final loan documents will be issued. Upon execution and satisfaction of conditions precedent, funding is typically completed within 15 business days.Step 5: Post-Closing Servicing
All loans are serviced directly by Liverpool Investment or its appointed agent. Borrowers will receive a payment schedule and servicing contact details upon closing.
Notice
• All loans are underwritten and funded solely by Liverpool Investment LLC.
• Uptiq Premier Mortgage is not involved in credit review, decision-making, or servicing.
• Final loan offers are subject to Liverpool Investment's internal credit criteria and regulatory compliance.
All rate quotes are estimates and are subject to change. Rate quotes are not binding. Programs are on on a case by case basis. Certain restrictions apply. The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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