Lending Done Right
FOREIGN NATIONALS WELCOME
Call or Text - (443) 219-6773
Real Estate & Business Lending
LOAN PROGRAMS
HOME IMPROVEMENT LOANS
FIX & FLIP/RENOVATION/ CONSTRUCTION LOANS
BUSINESS WORKING CAPITAL
Funds in 7 to 10 Days
Loan Types
Cash Out
Loans - $50,000 to $500,000
Rates 12.99 to 17.99
20 Year Amortization
Sample Loan Terms - Estimate Only
Cash to You $110,000 Gross Loan $114,389
Fixed Rate 12.34%
APR 12.97%
Ter
Funds in 7 to 10 Days
Loan Types
Cash Out
Loans - $50,000 to $500,000
Rates 12.99 to 17.99
20 Year Amortization
Sample Loan Terms - Estimate Only
Cash to You $110,000 Gross Loan $114,389
Fixed Rate 12.34%
APR 12.97%
Term (years) 20
Monthly Payment $1,286.74
Fixed Rates
No Prepayment Penalty
No Equity & No Appraisal
Quick Funding for Any Home Improvements
100% Direct-to-Consumer Funded
Additional Fees May Apply
Funds in All 50 States
Property Type
Primary Residence ONLY
SFR, Condo, Townhouse, 1-4 UNIT
Seasoning – Length of Time on Title
One Day
Credit Requirements
Min Equifax 660
Loan shows on Credit
Income Required
1 Yr W2/1099 – Wage Earner
2 Yrs Tax Returns – Self Employed
Assets Required
N/A
Loan Terms
20 Year Amortization
No Pre-Payment Penalty
No Appraisal
No Lien on Primary Residence
Loan funds 100% Direct-to-Consumer
Debt to Income Ratio
MAX 50%
Document Requirements
Address Information – Last 2 years
Dates lived at each address
Move In Date
Employment Info – Last 2 years
Employer Name
Employer Address
Employer Phone Number
Start Date at Employer
Annual Salary/Income with Employer
2 Most Recent Paystubs
2023 & 2022 W2 or 1099
Color Photo of SS Card
Color Photo ID - Front & Back
Color Photo of Voided Check
General Contractor Estimate -
equal to the amount of the loan requested
Funds in 7 to 10 Days
BUSINESS WORKING CAPITAL
FIX & FLIP/RENOVATION/ CONSTRUCTION LOANS
BUSINESS WORKING CAPITAL
Funds in 2 to 3 Days
Loan Types
Cash Out
Loans - $20,000 to $1,000,000
Weekly/Monthly Pay Back
Advances against future
Receivables
Funds in All 50 States
Property Type
N/A
Not Required
Seasoning – Length of Time on Title
N/A
Credit Requirements
Min 600
Loan DOES NOT show on Credit
Income Required
Funds in 2 to 3 Days
Loan Types
Cash Out
Loans - $20,000 to $1,000,000
Weekly/Monthly Pay Back
Advances against future
Receivables
Funds in All 50 States
Property Type
N/A
Not Required
Seasoning – Length of Time on Title
N/A
Credit Requirements
Min 600
Loan DOES NOT show on Credit
Income Required
Min Bank Deposits - $10,000/mo
Merchant Processing - $4,000/mo
No Tax Returns
Assets Required
N/A
Loan Terms
6 month, 12 month,
18 month Term
Debt to Income Ratio
N/A
Document Requirements
Completed Application
4 Mo – Bank Statements or
4 Mo – Credit Processing Stmnts
SS# of Owner(s) and DOB
Business Start Date
Industry – Manufacture/Sell/Service
No Excessive Overdrafts
Average Bank Deposits - $10,000/mo
Average Processing - $4,000/mo
Time in Business – At least 1 Year
Approved Businesses
Funds in 2 to 3 Days
FIX & FLIP/RENOVATION/ CONSTRUCTION LOANS
FIX & FLIP/RENOVATION/ CONSTRUCTION LOANS
FIX & FLIP/RENOVATION/ CONSTRUCTION LOANS
Funds in 14 to 21 Days
Loan Types
Purchase/Refi-Cash Out
Loans - $150,000 to $10,000,000
Rates 10% to 18%
90% LTV Purchase, 100% Renovation
12-24 Month Interest Only
Funds in All 50 States
Property Type
Investment ONLY
SFR, 1-4 UNIT,
Multi-Family up to 50 Units
Seasoning – Length of Time on Title
One Day/Refi/Refi Cash-Out
Cr
Funds in 14 to 21 Days
Loan Types
Purchase/Refi-Cash Out
Loans - $150,000 to $10,000,000
Rates 10% to 18%
90% LTV Purchase, 100% Renovation
12-24 Month Interest Only
Funds in All 50 States
Property Type
Investment ONLY
SFR, 1-4 UNIT,
Multi-Family up to 50 Units
Seasoning – Length of Time on Title
One Day/Refi/Refi Cash-Out
Credit Requirements
Min 620
Loan DOES NOT show on Credit
Income Required
N/A
No Tax Returns
Assets Required
Down Payment, Closing Costs,
Reserves Required to Fund 1st Draw
Loan Terms
12 Months Interest Only
Debt to Income Ratio
N/A
Document Requirements
Corporate Docs
Renovation Budget
3 mos -Bank Statements
SS Card/ Driver’s License
12 Months Builder’s Risk Policy
Purchase Contract
Draw Schedule
Voided Check
Completed Borrower Experience History Form,
document all properties owned in the last 3 yrs
General Contractor Information
Valid State Contractor’s License
E & O Policy
Worker Compensation Policy
Resume/Project Completed last 2 years
Funds in 14 to 21 Days
LOAN PROGRAMS
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
Funds in 30 to 45 Days
Loan Types
Purchase/Refinance/Cash Out
Loans - $100,000 to $10,000,000
Rates 8% to 12%
up to 80% LTV
30 Year Amortization
Funds in All 50 States
Property Type
Investment ONLY
SFR, 1-4 UNIT, Mixed use
Seasoning – Length of Time on Title
One Day/Refi/Refi Cash-Out
CREDIT
Min 650/660
Loan DOES NOT show on your Credit Rep
Funds in 30 to 45 Days
Loan Types
Purchase/Refinance/Cash Out
Loans - $100,000 to $10,000,000
Rates 8% to 12%
up to 80% LTV
30 Year Amortization
Funds in All 50 States
Property Type
Investment ONLY
SFR, 1-4 UNIT, Mixed use
Seasoning – Length of Time on Title
One Day/Refi/Refi Cash-Out
CREDIT
Min 650/660
Loan DOES NOT show on your Credit Report
Income Required
Rental Income from Property
No Tax Returns
Income from Subject Property used ONLY
Assets Required
Purchase - Down Payment/Closing Costs/ 6 months PITIA
Refi - 6 Months PITIA
Loan Terms
30 Year Fixed - Fully Amortizing
Debt to Income Ratio
MIN 1.0 DSCR/Market Rent
Document Requirements
Completed Loan Application
Color Photo’s of ID Front & Back
Operating Agreement or Corporate By-Laws
of the Borrowing Entity
Completed Borrower Experience History Form,
document all properties owned in the last 3 years
W9 or SS-4 Showing the Borrower’s Entity Tax ID
Completed Appraisal Payment Authorization
Ratified Sales Contract – (for purchases)
Executed Leases for the Subject Property – (purchases & refinances)
Evidence of Hazard, Liability & Rent Loss Insurance
Personal Financial Statement for each Individual Owner/Guarantor
Two(2) Months Bank Statements evidencing funds required for
closing and reserves
Reserves: 6 Months PITIA – Leased/12 Months PITIA - Vacant
Contact Information – Property Access/Title Contact/Ins Contact
Funds in 30 to 45 Days
COMMERCIAL BRIDGE LOANS
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
Funds in 10 to 21 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans $250,000 to $10,000,000
Rates 11% to 18%
Property Type
1-4 Unit, SFR,
Multi Family up to 100 Units
Mixed-Use (must be > 50% residential, Class or B)
Credit
Min 640
Income Required
Income from Property - Min DSCR
Assets
Purchase – Down Payment/Closin
Funds in 10 to 21 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans $250,000 to $10,000,000
Rates 11% to 18%
Property Type
1-4 Unit, SFR,
Multi Family up to 100 Units
Mixed-Use (must be > 50% residential, Class or B)
Credit
Min 640
Income Required
Income from Property - Min DSCR
Assets
Purchase – Down Payment/Closing Costs/6 Mos Reserves
Loan Terms
65% to 70% LTV
12 to 24 Months – Interest Only
Debt to Income Ratio
Debt Service Coverage Ratio - 1.1 to 1.3
Document Requirements
Signed Loan Proposal.
Completed loan applications
for each Individual owner and guarantor.
Copies of photo IDs (driver’s license, etc.)
for each guarantor.
Operating Agreement or
Corporate Bylaws of the borrowing entity.
Completed Borrower Experience History form,
documenting all properties owned
within the last three years.
Completed Appraisal Payment Authorization Form
(Including Property Contact Sheet).
Settlement statement showing
the original purchase price of the property.
Personal Financial Statement for
each Individual owner and guarantor.
Two months of bank statements
Contact information for
the title company or closing agent
Funds in 10 to 21 Days
Small Commercial loans
PRIVATE RENTAL PROGRAM (DSCR – Debt Service Coverage Ratio)
Small Commercial loans
Funds in 10 to 21 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans $100,000 to $5,000,000
Rates 8.5% to 14%
Property Type
Apartment buildings, Office buildings, Multifamily, Retail, Mixed use, Hotel/motel, Recreational, Day cares, Hair salons, Auto repair/auto body, Funeral homes, Office/warehouses, Mobile home pa
Funds in 10 to 21 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans $100,000 to $5,000,000
Rates 8.5% to 14%
Property Type
Apartment buildings, Office buildings, Multifamily, Retail, Mixed use, Hotel/motel, Recreational, Day cares, Hair salons, Auto repair/auto body, Funeral homes, Office/warehouses, Mobile home parks, Garage/storage, Bar/Restaurant
Credit
Min 600
Income Required
N/A – Equity Based
No Income Verification
No Tax Returns
Assets
Purchase – Down Payment/Closing Costs
Loan Terms
50 to 75% LTV
3yr, 5yr, 25yr, 30yr Term/Amortization
Debt to Income Ratio
Debt Service Coverage Ratio - 1.1 to 1.3
Document Requirements
1003 Loan Application
Credit Report
SS Card/ ID
Signed Appraisal Authorization
Signed CLA – Conditional Loan Approval
Leases – If Applicable
Funds in 10 to 21 Days
LOAN PROGRAMS
COMMERCIAL LOANS
COMMERCIAL LOANS
COMMERCIAL LOANS
Funds in 30 to 45 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans - $1,000,000 to $50,000,000
Rates 8% to 14%
Property Type
Apartments, Assisted Living, Mixed-Use
Mobile/Manufactured Home Park
Industrial/Office & Retail, Churches,
Hospitality, Cannabis Related, Gas Stations,
Medical/Healthcare, Storage Warehouses
Cred
Funds in 30 to 45 Days
Loan Types
Purchase/Refinance/Refinance Cash-Out
Loans - $1,000,000 to $50,000,000
Rates 8% to 14%
Property Type
Apartments, Assisted Living, Mixed-Use
Mobile/Manufactured Home Park
Industrial/Office & Retail, Churches,
Hospitality, Cannabis Related, Gas Stations,
Medical/Healthcare, Storage Warehouses
Credit
Min 660
Income Required
NOI from Subject Property
sufficient to service debt requested
Assets
Purchase – Down Payment/Closing Costs
Loan Terms
25 Year Term – Fully Amortized
Debt to Income Ratio
Debt Service Coverage Ratio - 1.1 to 1.3
Document Requirements
3 most recent years tax returns -
both personal and business -
Extensions for any filings - if applicable -
3 months most recent bank statements -
both personal and business -
Personal financial statements –
updated within last 60 days -
Year-to-date business operating statements -
if applicable -
Year end business operating statements
if business tax returns are on extension
Personal resume - required for investment
properties if self managed -
Letter of explanation for any derogatory credit,
including: slow pays, charge-offs, liens, judgments,
child support, etc.
Schedule of real estate holdings –
Include purchase date, purchase price,
and current mortgage amount
Subject property rent roll –
if not 100% owner occupied –
if property is owner occupied and held in
a different entity,
i.e. LLC, and leased back to the business,
then rent roll and copy of the lease must be provided
Subject property leases –
see above for owner occupied property
Subject property income and expense statements,
including year end and year-to-date
For investment property with single or anchor tenant,
include tenant financial statements
Funds in 30 to 45 Days
SBA LOANS
COMMERCIAL LOANS
COMMERCIAL LOANS
Funds in 30 to 45 Days
Loan Types
SBA 7(a), CDC/504 Loan Programs
Property Type
Long- and short-term working capital
The purchase of equipment, machinery, furniture, fixtures, supplies, or
materials.
Establishing a new business or assisting in the acquisition, operation or
Refinancing existing business debt, under certain conditions.
Cred
Funds in 30 to 45 Days
Loan Types
SBA 7(a), CDC/504 Loan Programs
Property Type
Long- and short-term working capital
The purchase of equipment, machinery, furniture, fixtures, supplies, or
materials.
Establishing a new business or assisting in the acquisition, operation or
Refinancing existing business debt, under certain conditions.
Credit
Min 660
Income Required
NOI - (Net Operating Income) of business for previous 3 Years
Assets
Purchase – Down Payment/Closing Costs
Loan Terms
25 years for real estate
10 years for Equipment
10 years for working capital or inventory loan
Debt to Income Ratio
Debt Service Coverage Ratio - 1.1 to 1.3
Document Requirements
Loan Application
Why are you applying for this loan?
How will the loan proceeds be used?
What assets need to be purchased, and who are your suppliers?
What other business debt do you have, and who are your creditors?
Who are the members of your management team?
Personal Background/Resume(s) – Owner(s)/Guarantor(s)
Business Plan
Business Credit Report
Income Tax Returns – Past Three(3) Years
Business & Personal Financial Statements
Balance Sheet/Income Statement/Cash Flow Statement
Business Current Financial Position
Accounts Receivable/Accounts Payable
Collateral, you will provide to secure the Loan
Legal Documents
Business Licenses & Registrations
Articles of Incorporation/Organization
Copies of Contracts with Third Parties
Franchise Agreements
Commercial Leases
Funds in 30 to 45 Days
About Us
Financing Futures
Welcome to H & H Financial Group LLC
At H & H Financial Group LLC, we understand the diverse financial needs of businesses, whether you're a small startup or a well-established corporation. Our Commercial Loans section is dedicated to providing tailored financial solutions to help your business thrive and grow.
Our Commitment to You
We are committed to being your trusted financial partner, offering expertise and support every step of the way. Our team of experienced professionals works closely with you to understand your unique business needs and goals, ensuring that we deliver customized financing solutions that align with your objectives.
A Range of Financing Options
From short-term working capital loans to long-term financing for expansion projects, we offer a comprehensive range of commercial loan products to suit your requirements. Whether you need funds to purchase equipment, invest in real estate, or manage cash flow fluctuations, we have the expertise and resources to help you secure the financing you need.
Flexible Terms and Competitive Rates
We understand that every business is different, which is why we offer flexible terms and competitive rates tailored to your specific circumstances. Our goal is to provide you with the most favorable terms possible, ensuring that you can access the capital you need without compromising your financial stability.
Streamlined Application Process
We know that time is of the essence when it comes to securing financing for your business. That's why we've streamlined our application process to make it as efficient and hassle-free as possible. Our dedicated team will guide you through every step of the process, from initial application to funding, ensuring a smooth and seamless experience.
Expert Guidance Every Step of the Way
Navigating the world of commercial lending can be complex, but you don't have to do it alone. Our team of experts is here to provide you with the guidance and support you need to make informed decisions about your financing options. Whether you have questions about eligibility requirements, documentation, or repayment terms, we're here to help.
Start Growing Your Business Today
Ready to take your business to the next level? Explore our range of commercial loan products and get started on your application today. At H & H Financial Group LLC, we're committed to helping your business succeed, and we look forward to being your trusted financial partner every step of the way.
Comprehensive Approach
We use proven finance strategies designed to meet your risk tolerance and stand up against market volatility. And you can count on unbiased recommendations and impartial guidance based directly on your needs and goals.
Committed to Service
Every successful finance strategy starts with an excellent client relationship. Our mission and values include exceeding our client’s every expectation. Call us today to find out how we can suggest long- and short-term strategies that will help you realize your financial dreams.