Small-balance commercial property financing
Mayday can broker eligible small-balance commercial purchase, refinance, and cash-out requests through several documentation paths. Published options span multifamily, mixed-use, retail, office, light industrial, mobile home park, warehouse, self-storage, day care, restaurant/bar, and automotive properties. Program-specific minimum FICO scores begin at 650, while leverage, loan amount, property, occupancy, documentation, state availability, and final terms depend on the selected path and complete underwriting file.
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Featured Mayday option
Mayday Small-Balance Commercial
Choose the path closest to the property, occupancy, borrower profile, and records available. Mayday presents the request as your broker; the funding lender makes the final credit decision and may revise or withdraw program terms.
Submit a scenarioEach path has its own minimum FICO, leverage limits, and requirements. No score or document alone determines approval.
For borrowers with strong credit and complete income and property records who want the broadest published leverage.
For eligible investor-owned properties when tax returns do not reflect the current property or borrower profile.
For credit-qualified borrowers seeking the lightest initial submission on an eligible commercial transaction.
For eligible self-employed borrowers financing an owner-occupied business property without conventional tax-return qualification.
For eligible business-entity multifamily purchases and refinances seeking a specialized long-term structure.
The complete context matters
The published Full Documentation, Lite Documentation Investor, and Business Bank Statement paths list a 650 minimum FICO. The specialized multifamily path lists 680 and a 1.20x minimum DSCR. The Streamline Commercial path lists 700. Alternative documentation is not no documentation, and meeting a score floor is not approval: the property, occupancy, cash flow, leverage, borrower, guarantor, entity, liquidity, background, title, insurance, valuation, documentation, location, and current program rules still control the decision.
Tell us your situationProgram questions
Published categories include multifamily, mixed-use, retail, office, light industrial, mobile home park, warehouse, self-storage, day care center, restaurant/bar, and automotive properties. The exact asset, occupancy, address, condition, value, and selected program must be confirmed before relying on eligibility.
Full Documentation, Lite Documentation Investor, and Business Bank Statement list a 650 minimum FICO. Multifamily Select lists 680 plus a 1.20x minimum DSCR. Streamline Commercial lists 700. A published score is a floor for that path, not approval or a promise of terms.
The overall published range is $100,000 to $2.5 million and some paths list up to 80% LTV. Streamline Commercial lists purchase up to 75% and refinance up to 70%. Multifamily Select lists purchase and rate-term refinance up to 65% and cash-out up to 60%. Actual proceeds can be lower.
No. Initial submission may begin with an application and tri-merged credit report, but an acquisition contract and appraisal-related property documents may be required, along with entity, title, insurance, background, valuation, and final underwriting conditions. 'Streamline' describes the initial documentation path, not automatic approval.
The Business Bank Statement path is described for eligible self-employed borrowers financing an owner-occupied business property. It uses 12 consecutive months of business bank statements, but credit and applicable property, business, transaction, and underwriting documents still apply.
Mayday acts as the broker for this featured suite and helps organize the borrower and property request. The funding lender verifies program availability, performs underwriting, sets final terms and conditions, and makes the credit decision. Submitting an inquiry is not an approval or commitment to lend.
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