Close Your Commercial Loan
in Days, Not Months
Clear House Lending connects real estate investors and developers with the right lender from our network of 6,000+ private capital sources. Bridge, DSCR, SBA, hard money, and construction loans -- most borrowers get term sheets within 48 hours.
$5.3M Industrial Warehouse
Birmingham, AL
Funded Amount
$5.3M
Cash-out proceeds included
What Is Clear House Lending?
Clear House Lending connects real estate investors, developers, and business owners with the right lender from a curated network of 6,000+ vetted private capital sources across all 50 states. Instead of applying to individual banks, borrowers submit one request and get matched with lenders who specialize in their property type, loan amount, and timeline. Most borrowers receive term sheets within 48 hours. Our network includes specialists in bridge loans, DSCR investment loans, SBA financing, hard money lending, and construction financing.
How Does Clear House Lending Work?
The process takes minutes, not weeks. Describe your financing needs, including the property type, loan amount, and timeline. We identify lenders from our network who specialize in your exact deal type. You then speak directly with lenders who provide competing term sheets. Bridge and hard money loans can close in as few as 5 days, while DSCR loans typically close in 21 to 30 days.
Commercial Loan Types at a Glance
Rates as of February 20, 2026live
| Loan Type | Interest Rates | Closing Speed | Min. Credit Score | Loan Range |
|---|---|---|---|---|
| Bridge Loans | 8% - 13% | 5 - 15 days | None (asset-based) | $500K - $50M |
| DSCR Loans | 6.75% - 9.75% | 21 - 30 days | 620+ | $100K - $10M |
| SBA 504/7(a) | 5.5% - 8.75% | 45 - 90 days | 680+ | $100K - $5M |
| Hard Money | 10% - 15% | 5 - 15 days | None (asset-based) | $100K - $25M |
| Construction | 8% - 12% | 30 - 60 days | 660+ | $1M - $100M |
| CMBS / Conduit | 5.25% - 7% | 60 - 90 days | N/A (property-based) | $2M - $500M |
6,000+
Vetted Lenders
50
States Covered
5 Days
Fastest Closing
$100M+
Max Loan Size
How Do I Get Started?
Three steps to commercial financing. Our process saves you time and connects you with the right capital partner for your deal.
Tell Us Your Needs
Share your financing needs: property type, loan amount, timeline, and deal structure. Whether it is a bridge loan for an acquisition or a construction loan for ground-up development, we need just the basics to find your match.
Get Matched with Specialists
We identify the best lenders from our 6,000+ network who specialize in your exact deal type. You receive competing term sheets from lenders ready to fund, not generic leads. Most borrowers hear back within 48 hours.
Close Fast and Build Your Portfolio
Speak directly with matched lenders who understand your urgency. Review term sheets, compare rates, and close on your timeline. Use our DSCR calculator or mortgage calculator to model scenarios before you commit.
What Types of Commercial Loans Are Available?
Bridge Loans
Short-term financing for acquisitions, renovations, and repositioning. Close in 5 to 15 days.
SBA Loans
Government-backed SBA 504 and 7(a) loans for owner-occupied commercial properties with low down payments.
DSCR Loans
Qualify based on property cash flow, not personal income. Ideal for real estate investors.
Hard Money Loans
Asset-based lending with rapid approval for time-sensitive commercial deals.
Construction Loans
Ground-up development and vertical construction financing for commercial projects.
Permanent / Refinance
Long-term fixed-rate financing and refinance options for stabilized commercial properties.
Where Do We Offer Commercial Loans?
Clear House Lending serves investors and developers in all 50 states. Browse commercial financing options in these top markets.
Free Commercial Loan Calculators
DSCR Calculator
Calculate your debt service coverage ratio to see if your investment property qualifies for a DSCR loan.
Commercial Mortgage Calculator
Estimate monthly payments, amortization, and total interest on a commercial real estate loan.
Bridge Loan Calculator
Model short-term bridge financing scenarios including interest reserves and exit strategies.
Latest from the Blog
Commercial Real Estate Loan Guide: Types, Rates & Requirements
Need financing for investment property? Learn about commercial real estate loan types, 2026 rates, and requirements. Get pre-qualified in 24 hours.
GuidesDSCR Loan: Complete Guide for Investors in 2026
DSCR loans let investors qualify using rental income instead of W-2s. Minimum 1.25 DSCR required with rates from 6.5% in 2026. Full program guide.
Frequently Asked Questions
What types of commercial real estate loans does Clear House Lending offer?▾
How fast can I close on a commercial loan?▾
What is the minimum credit score needed for a commercial real estate loan?▾
How is Clear House Lending different from a traditional bank?▾
What does a DSCR loan require and who qualifies?▾
Does Clear House Lending charge fees to borrowers?▾
Ready to Fund Your Next Commercial Deal?
Stop losing deals to slow bank financing. Connect with vetted private lenders and hard money specialists from the Clear House Lending network today. Get fast approvals, flexible terms, and the capital you need to close deals quickly.