When the bank says no — we take a second look.
Commercial real estate financing for the deals banks decline and the terms hard money can’t match. $250K to $17M+, long-term fixed-rate options, and programs built for self-employed owners, investors, and foreign nationals.
Every deal reviewed personally by a senior commercial lending professional — not a bot, not a call center.
Banks have cut rates. They haven’t loosened underwriting.
Every week, solid commercial deals get declined by banks — not because they’re bad deals, but because they don’t fit narrow bank boxes. Rental income looks tight on paper. Buildings that aren’t fully leased yet. Self-employed borrowers whose tax returns understate real income. Foreign nationals with no US credit history. Property types banks won’t touch.
These aren’t hard-money candidates. They’re professional deals that need a professional lender — one who underwrites to where the business is going, looks past one quirky tax return, and actually closes.
Built for business owners, investors, and the brokers who work with them.
Your tax returns don't reflect your real income.
If a bank said no because of how you file, there’s a better option. We work with self-employed owners buying or refinancing their own buildings every day.
Check if I qualify →You have a deal the bank declined. Your borrower is solid.
Value-add, reduced-documentation, foreign national, and unusual asset deals — submitted with full broker protection and reviewed by a human within 24 hours.
Check if I qualify →Your deal works at stabilized rents, not in-place.
Banks underwrite to today’s rent roll. We can underwrite to where the building is going when the business plan is credible — with long-term fixed-rate and interest-only options.
Check if I qualify →No US credit history. Dedicated program.
Foreign national borrowers with a US entity, a down payment, and a real deal can close here. We actually do these — it’s not a marketing bullet.
Check if I qualify →The program sheet, without the fine print.
Every program is subject to credit approval. Specific structure depends on the deal.
Multifamily, mixed-use, hospitality, medical, self-storage, car wash, restaurant, retail, industrial, mobile home park, senior housing & more.
Tighter rent rolls than a bank will accept. We look at where the building is going, not just where it is today.
Long-term fixed-rate options — the longest available outside a bank for commercial property.
Optional interest-only periods to maximize cash flow during your hold.
Reduced-documentation programs for self-employed owners — subject to program requirements.
No US credit history required. Designed around a US entity and a real down payment — subject to program requirements.
Programs available in most US markets. Availability varies by property type and loan size.
From owner-user to institutional scale.
Three steps. No runaround.
Tell us about your deal
Answer a short set of questions about the property, loan amount, and borrower. No SSN, no tax returns, no application.
A real person reviews it
Not a bot. A lending professional reads your scenario and determines program fit. Hot deals get a same-day call.
Get a term sheet or a straight answer
If it's a fit, we move quickly. If it isn't, we tell you directly — no ghosting, no wasted time.
The kinds of deals that don’t fit a bank box.
Representative examples. Individual results vary. Not a guarantee of similar outcomes. No client names or property addresses shown.
Bank declined on in-place DCR. Underwritten to market rents with a credible lease-up plan. Closed in 22 days.
Bank said tax returns didn't show enough income. Lite-doc program used actual cash flow. Closed on a purchase the borrower had given up on.
International investor deploying capital into US CRE. Dedicated foreign national program handled entity setup and closing.
Submit a scenario. Get a real answer, fast.
Second Look CRE is a marketing platform. We don’t price loans, make approvals, or take applications here — we connect your scenario with a senior commercial lending professional who does.
- 1A senior commercial lending professional reviews your scenario.
Every submission is read by a real human with 25+ years of commercial finance experience — not a bot, not a routing algorithm.
- 2You'll get a direct call, usually the same day.
Hot scenarios (under contract, bank already declined, solid fundamentals) get a personal call within hours. Everything else gets a reply within one business day.
- 3If it's not a fit, we tell you directly.
No ghosting. If your scenario doesn't match our programs, we'll point you toward public resources (SBA lender finder, CDFI locator, or a residential mortgage broker if appropriate).
What everyone asks first.
No. We don't pull credit at this stage. The form collects deal parameters only — not a loan application.
Most deals close in 22–45 days from a complete file. Faster if you're under contract with a clean borrower; slower for unusual structures.
No fees to submit a scenario or have a call. If we move forward to a term sheet, all costs are disclosed in writing before anything proceeds.
Reviewed by one lending professional, not a marketplace. We don't sell or share your data. See our Privacy Policy for the full picture.
A real human reviews every submission.
Takes 2–4 minutes. No SSN, no tax returns, no application — just enough to see if your deal is a fit. You’ll hear back within 24 hours.
Which of these describes you best?
We tailor the rest of the form based on your answer.