Denali Signature Direct Loan
Small-Balance Commercial Real Estate
$250K-$5M
Stated-income style commercial financing for stabilized and transitional properties, sized for real-world timelines.
At a Glance
- Loan Amount
- $250K-$5M
- Purpose
- Purchase, refinance, cash-out
- Property Types
- Multifamily, mixed-use, light industrial/warehouse, retail, office, self-storage, mobile-home parks, daycare, automotive, restaurant
- Rate Structures
- Fixed + hybrid ARM
- Min DSCR
- 1.10x
- Min Credit
- 660
- Amortization
- 25/30-yr
- Documentation
- Streamlined, stated-income style
- Closing Process
- Fast-track review, closing in weeks not months
Best Fit
- Owners of small multifamily and mixed-use buildings
- Investors acquiring light industrial, warehouse, or retail properties
- Special-purpose assets like self-storage, daycare, and automotive
- Borrowers who need a fast, documentation-light commercial loan
Eligible Uses
What You'll Need
- Completed loan application
- Signed credit authorization
- Current rent roll
- Two years of property operating statements
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
Common Questions
What counts as small-balance commercial?
Commercial real estate loans from $250K to $5M. That band covers most small multifamily, mixed-use, retail, office, and light industrial properties.
How is income evaluated without full documentation?
We underwrite to the property's actual or projected cash flow using rent rolls and operating statements, sized so the property covers at least 1.10x its annual debt service.
Are special-purpose properties eligible?
Yes. Self-storage, mobile-home parks, daycare, automotive, and restaurant properties are all eligible property types.
What credit score do I need?
A minimum of 660. The property's income carries the decision, so credit-challenged files can still work when the deal itself is strong.
Fixed or adjustable rate?
Both. Choose a fixed rate or a hybrid ARM that starts fixed and adjusts later, with 25 or 30-year amortization.
How fast can this close?
The process is built for speed: a fast-track review up front, then a straight path from term sheet through closing in weeks, not months.