Small Balance Commercial Loans
Stated income loans from $250K to $2M+ with no tax returns or 4506T required.
Stated Income Commercial Loans
We offer Nationwide small balance commercial financing for the purchase or refinance of investor and owner-occupied properties, with quick closings and no tax returns or 4506T required.
We offer small balance commercial loans for the following property types:
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
The Denali Standard
Every transaction receives individual review and hands-on attention from the Denali team.
Common Questions
What does stated income actually mean?
The loan qualifies on the property's cash flow and your bank statements rather than your tax returns. No 4506T and no return analysis.
What loan sizes does small balance cover?
From $250K to $2M and up, with up to 80% loan-to-value depending on the property and documentation path.
Do I need to own the property for a while first?
No. There are no seasoning requirements, so purchases and quick refinances both work.
How long does it take to close?
About 30 days. Stated-income underwriting removes most of the back-and-forth that slows conventional files down.
Explore other programs
Reach out to us to learn more!