Lending Solutions

Hard money loans are asset-based, short-term financing solutions secured by real property. Unlike traditional bank loans, which are underwritten primarily based on the borrower's creditworthiness and income, hard money loans are underwritten based on the value of the underlying collateral. This makes them an ideal financing solution for real estate investors who need fast, flexible capital and may not qualify for conventional financing.

BMA Capital Partners funds hard money loans based on the value of the collateral and not just the borrower's credit profile. Our streamlined underwriting process allows us to move quickly, often closing loans in days rather than weeks. This speed and flexibility is critical for investors competing in fast-moving real estate markets.

Hard money loans from BMA Capital Partners are available for a wide range of property types, including single-family residential, multi-family, commercial, and mixed-use properties. We work with experienced investors and first-time borrowers alike, and we structure each loan to meet the specific needs of the borrower and the property.

Real estate bridge loans are short-term financing solutions designed to "bridge the gap" between an immediate capital need and longer-term, permanent financing. Bridge loans are used by real estate investors and developers to acquire properties quickly, stabilize or reposition assets, and execute value-add strategies before transitioning to permanent financing.

BMA Capital Partners provides bridge loans for a wide range of real estate scenarios including property acquisitions where speed is critical, value-add projects that require capital for renovation or repositioning, and situations where a borrower needs time to stabilize a property before qualifying for permanent financing.

Our bridge loan program offers competitive rates, flexible terms, and a streamlined underwriting process that allows us to close quickly. We work closely with borrowers to understand their business plan and structure a bridge loan that supports their investment strategy.

BMA Capital Partners offers a comprehensive suite of commercial real estate lending solutions designed to meet the needs of investors, developers, and property owners across a wide range of property types and investment strategies.

Our CRE lending platform includes loans for non-owner occupied rental properties including single-family rentals, small multi-family properties, and larger apartment buildings. We also provide ground-up construction loans for commercial buildings, including office, retail, industrial, and mixed-use developments, as well as ground-up construction loans for multi-family properties ranging from small apartment buildings to large residential developments.

We underwrite each CRE loan based on the specific characteristics of the property, the borrower's experience and financial strength, and the overall merits of the investment. Our goal is to provide flexible, competitive financing that enables our borrowers to execute their investment strategies and achieve their financial objectives.

Equipment loans provide businesses with the financing needed to acquire business-critical equipment without depleting working capital or taking on unsecured debt. Equipment financing is one of the most efficient forms of business lending because the equipment itself serves as collateral, enabling lenders to offer competitive rates and flexible terms.

BMA Capital Partners provides equipment financing across a wide range of industries, including manufacturing, construction, transportation, healthcare, technology, and agriculture. We finance new and used equipment, and we can structure loans to match the useful life of the equipment and the cash flow profile of the borrower.

Our equipment lending team works closely with borrowers to understand their equipment needs and structure a financing solution that preserves working capital, optimizes cash flow, and enables the business to invest in the machinery and technology needed to grow and compete.

Accounts receivable factoring is a financing solution that allows businesses to convert outstanding invoices into immediate working capital. Rather than waiting 30, 60, or 90 days for customers to pay, businesses can sell their receivables to BMA Capital Partners and receive cash immediately - typically within 24 to 48 hours of invoice submission.

Factoring is an ideal solution for businesses that have strong receivables but face cash flow timing challenges. Unlike a traditional loan, factoring does not add debt to the balance sheet, it simply accelerates the collection of money that the business has already earned. This makes factoring a particularly attractive option for growing businesses that need working capital to fund operations and growth without taking on additional debt.

BMA Capital Partners provides factoring solutions for businesses across a wide range of industries, including staffing, transportation, manufacturing, healthcare, and professional services. We offer both recourse and non-recourse factoring arrangements, and we work with businesses of all sizes from small startups to established middle-market companies.

Debt Service Coverage Ratio (DSCR) loans are a specialized form of real estate financing that is underwritten based on the income-producing potential of the property rather than the borrower's personal income. This makes DSCR loans an ideal financing solution for real estate investors who have strong rental income but may not qualify for conventional financing based on their personal income or tax returns.

The DSCR is calculated by dividing the property's net operating income (NOI) by the annual debt service (principal and interest payments). A DSCR of 1.0 means the property generates exactly enough income to cover the debt service; a DSCR above 1.0 means the property generates more income than is needed to service the debt.

BMA Capital Partners provides DSCR loans for single-family rentals, small multi-family properties, and larger apartment buildings. Our DSCR loan program is designed for experienced real estate investors who are building or scaling a rental portfolio, and it offers competitive rates, flexible terms, and a streamlined underwriting process that focuses on the property's income rather than the borrower's personal financial profile.