introducing Fidelity’s new Direct Loan Products
We are excited to introduce our enhanced portfolio of direct commercial loan products. From small to large balance transactions and bridge financing to permanent loans, Fidelity Bancorp Funding now offers a direct product for all of your commercial lending needs. Please explore our competitive and flexible financing options and we look forward to being your one-stop direct lending solution.
FIDELITY DIRECT BRIDGE
1. Small Balance Bridge Loan - Tailored for properties under $20 million, this loan is available for SFR 1-4, multifamily, mixed-use, industrial, retail, medical, and owner-occupied office properties. With loan terms from 12 to 24 months and up to 70% LTV, this product provides competitive rates and no prepayment penalty, making it an ideal choice for investors looking for fast and flexible financing.
2. Large Balance Bridge Loan - Designed for large-scale transactions, our Large Balance Bridge Loan provides financing from $20 million to $200 million, with terms ranging from 12 to 36 months. This program is suitable for ground-up construction, transitional financing, and major rehabilitation projects, providing the high-value financing needed for large scale projects.
3. Fix & Flip Loan - Aimed at investors in the single-family residential market, our Fix & Flip Loan offers financing up to $2.5 million for up to 12 months. This program covers 100% of renovation costs, allowing investors to quickly capitalize on high-yield opportunities for short-term property improvements.
FIDELITY DIRECT PERM
1. Small Balance DSCR Loan - Our Small Balance DSCR Loan focuses on the income-generating potential of SFR 1-4 and select multifamily properties, making it ideal for investors needing flexible, cash flow-based financing. With loan amounts up to $5 million, competitive rates, and a streamlined approval process that eliminates traditional income verification, this loan supports both fixed and adjustable-rate options with DSCR requirements starting from 1.00 to 1.25x.
2. Large Balance CMBS Loan - Perfect for large-scale projects, the Large Balance CMBS Loan offers long-term financing for multifamily, industrial, retail, self-storage, and hotel properties. With loan amounts from $20 million to $500 million and fixed-rate terms from 5 to 15 years, this program provides the stability and predictability that real estate professionals require for high-value investments.
These loan products have been crafted to provide the flexibility, competitive rates, and tailored support investors need to succeed. If you're interested in learning more, please reach out as we would love to hear from you!
