Small Balance Loans

Unlock accessible financing with our Small Balance Loans, designed for small-scale real estate investors and entrepreneurs. With flexible terms, quick approvals, and personalized support, we make it simple to fund your next project or grow your business.

   Up to  

7.50%

Rates From*

70%

LTV

30-45

     Day Close    

30 Year

Fixed or Rate & Term

$200k up to $5M

Barrington Commercial Capital offers Small Balance Loans as an accessible financing solution for small-scale real estate investors and entrepreneurs looking to fund their next project. Unlike traditional loans that come with complex requirements, our Small Balance Loans are designed to provide quick, hassle-free funding with competitive rates and flexible terms, helping you grow your business or portfolio with ease.

Why Choose Our Small Balance Loans?
Tailored for small-scale investors and entrepreneurs: Our Small Balance Loans are crafted with smaller projects in mind, offering a simplified process that makes funding accessible. Whether you’re a new investor or a growing business owner, we provide the support you need to achieve your financial goals.

Key benefits of our Small Balance Loans include:

  • Effortless process: We simplify the loan approval process with clear, straightforward steps, so you can focus on your project or business.
  • Quick funding: Secure your loan in as little as 10–14 days, allowing you to act on opportunities without delay.
  • Flexible terms: Our loans are designed for smaller investments, with manageable repayment periods and lower down payment options.
  • Trusted expertise: Partner with a team that understands the unique challenges of small-scale investing, ensuring you get the guidance you need every step of the way.
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Small Balance Requirements

To qualify for our Small Balance Loans, we’ve made the process accessible while ensuring you’re set up for success:

  • Liquidity/reserves: A 30% down payment and 1–3 months of reserves are required.
  • Experience: No prior experience required—new investors and entrepreneurs are welcome. 12 Months Rental History Required.
  • Credit score: A minimum credit score of 660.
  • Property type: Eligible properties include single-family homes (SFR), condos, townhomes, or 1–2 unit residential properties (non-owner-occupied).
  • Additional flexibility: We offer options for smaller loan amounts, accept rural properties, and have no seasoning requirements, giving you more opportunities to grow your portfolio.
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Small Balance Loan Highlights

Transparent and Investor-Focused Loan Terms

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Product Type
Small Balance Commercial
Seasoning
12 Months Rental History
Minimum Credit Score
660
Liquidity/Reserves
30% Down, 1–3 Months Reserves
Prepayment Penalty
5 Year Step Down
Closing Timeline
30-45 Days
Rate
7.50%+
Loan-to-Value (LTV)
70% Purchase | Rate & Term
Loan Term
30 Year Fixed
Asset Types
Office Buildings, Strip Centers, Shopping Centers, Office Condos, Retail Stores, Single Tenant Commercial Buildings
Loan Amounts
$200,000 to $5,000,000
Product Specifics
Non-Owner-Occupied
Number of Units
1 to 20 Units

Expert Support for Small Balance Lending

Access financing tailored for small-scale projects with flexible terms, lower down payments, and simplified requirements, all while getting approved and funded in as little as 10–14 days to act fast. Our Small Balance Loans help you fund your next investment or business growth, empowering you to succeed with confidence.

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