/use-cases · small-balance commercial
Multi-unit, mixed-use, and light commercial.
Financing for small commercial properties — 5–50 unit multifamily, mixed-use retail/residential, light industrial, and office. Combines property cash flow analysis with sponsor underwriting.
/how-antal-handles-it
What the AI agents do for small-balance commercial.
- Analyzes property-level cash flow from rent rolls and operating statements
- Validates sponsor background and portfolio strength
- Handles both acquisition and refinance workflows
- Coordinates environmental, property condition, and appraisal reports
- Manages ongoing servicing including lease renewals and tenant changes
Typical terms
Loan range$250K – $5M
LTVUp to 75%
DSCR1.20x+
Rate7.5 – 10.0%
Term5 – 30 years
Amortization20 – 30 years
Terms vary by lender guidelines. Your agents enforce your credit box.
Typical borrower
Small commercial investors, multifamily operators scaling beyond single-family, mixed-use developers.
/why-it-matters
Small-balance commercial is underserved by both banks (too small) and institutional lenders (too complex). Private credit fills the gap — and needs the operational leverage to do it profitably.