Commercial Lending Solutions provides commercial real estate loans and alternative financing for businesses in Charlotte, NC, specializing in scenarios where traditional banks decline.
Editorially reviewed by Harvey Brooks
Commercial Lending Solutions (CLS) is a Charlotte, North Carolina-based commercial real estate lender operating from 2303 West Morehead Street, Suite 200. The company positions itself as an alternative to traditional bank lending, emphasizing a personal approach to commercial financing decisions. They serve both business owners and real estate investors seeking competitive market-rate financing for commercial properties and investment purposes.
CLS offers a diverse range of commercial lending products including bridge-to-permanent loans (described as their most popular offering), small balance commercial programs, investment property loans, fix-and-flip financing, and specialized programs for foreign investors. The company also operates a broker referral program and works with a network of underwriters to provide flexible financing structures. Their stated approach includes pre-approval before property offers and solutions for borrowing needs that fall outside traditional bank credit models.
The company differentiates itself through relationship-focused service and access to diverse underwriting networks. CLS emphasizes that they can approve borrowers before property offers are made and claim to find lending solutions when traditional banks cannot. They position themselves against larger institutional lenders by highlighting personalized service and expertise in commercial real estate investment property selection and profit projection.
While CLS presents competitive advantages in niche commercial lending, the website provides limited transparency regarding specific loan terms, interest rate ranges, approval timelines, or borrower qualification requirements. No information is disclosed about licensing, NMLS numbers, or regulatory oversight. The company operates in a specific geographic market (Charlotte) with no mention of nationwide lending capacity, and their marketing relies heavily on relationship-building rather than transparent product specifications.
Yes. Commercial Lending Solutions is a registered company headquartered in 2303 W Morehead St STE 200, Charlotte, NC 28208. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Commercial Lending Solutions is best suited for commercial real estate investors and business borrowers who have been declined by traditional banks or require alternative lending structures. Primary caveat: the company provides minimal transparency on rates, terms, and qualification criteria on their public website, requiring direct contact via phone (843-424-3010) to obtain specific loan information.
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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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