Commercial Lenders of America offers commercial real estate financing, hard money loans, SBA loans, and working capital solutions for small to large businesses with up to $100M in loan amounts.
Editorially reviewed by Harvey Brooks
Commercial Lenders of America positions itself as a commercial finance provider specializing in real estate investment and business lending. According to their website, they claim 30 years of experience in commercial loans and market themselves as a hard money/private money lender with capability to close quickly on deals conventional lenders reject.
Their service offerings span multiple loan categories: commercial real estate financing and refinancing, SBA loans, fix-and-flip loans, working capital loans (unsecured, no collateral required for amounts under $725,000), hard money loans, apartment/multifamily loans (up to 85% LTV), bridge loans, equipment financing, and accounts receivable financing. They market loan amounts up to $100 million and claim a simplified three-step process with potential funding within 72 hours. They serve diverse property types including multifamily residential, retail, hotels, healthcare facilities, industrial buildings, and special-use properties.
The company emphasizes fast processing and claims no upfront fees, distinguishing themselves through quick turnaround and willingness to work with borrowers conventional lenders have rejected. Their marketing focuses on speed, accessibility, and competitive pricing relative to conventional lenders, particularly for real estate investors and small business owners needing flexible financing.
Key limitation: The website provides marketing claims but limited independent verification of credentials, licensing, or regulatory standing. No information about actual rates, terms, company ownership structure, or specific regulatory compliance is disclosed. The breadth of products claimed (SBA loans to hard money to equipment financing) across such varied markets warrants due diligence verification before application.
Yes. Commercial Lenders of America is a registered company headquartered in 21 S 11th St 4th fl, Philadelphia, PA 19107. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Best for commercial real estate investors, small business owners, and borrowers needing fast capital when traditional banks decline or move too slowly. Primary caveat: hard money and bridge products are explicitly expensive short-term solutions; verify actual rates, terms, and regulatory standing before committing, as the website lacks specific pricing and compliance disclosures.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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