Commercial real estate & business financing
DSCR, bridge, commercial and business loans for investors and owners.
Tell us about the deal once. We match it with the private and institutional lenders that fit, so you compare real offers instead of chasing declines.
See your loan options
60 seconds. A loan specialist will follow up with your options.
No credit pull. No obligation. We never sell your information.
Loan programs
Pick the loan. See the terms up front.
DSCR and business loan terms are our current programs. Other ranges reflect what our lending partners typically offer and vary by deal.
DSCR Rental Loans
Qualify on the property’s rent, not your tax returns. Long-term and short-term rentals (AirDNA income accepted), 680+ credit, close in an LLC.
- Amount
- $100K–$2M
- Max LTV
- 85% purchase
- Term
- 30 yr, no balloon
Business Term Loans
Working capital and MCA refinancing. Replace daily debits with one fixed monthly payment on a 10-year amortization.
- Amount
- $50K–$500K
- Funding
- 1–3 days
- Term
- Up to 36 mo
Bridge & Hard Money
Asset-based financing for time-sensitive purchases, auctions and properties not yet ready for permanent debt.
- Typical LTV
- 65–75%
- Term
- 6–24 mo
- Based on
- The asset
Commercial Purchase & Refi
Multifamily, industrial, mixed-use, retail, self-storage and office, including cash-out refinances.
- Typical LTV
- 60–75%
- Min DSCR
- 1.20x–1.35x
- Term
- 5–30 yr
Construction & Land
Ground-up construction, land and subdivision projects, including gap and mezzanine financing to fill the capital stack.
- Structure
- Senior + gap
- Term
- 12–36 mo
- Funded in
- Draws
Fix & Flip
Purchase plus rehab budget, sized on after-repair value, with renovation funds released in draws.
- Sized on
- ARV
- Term
- 12–18 mo
- Payments
- Interest-only
Property types we finance
How it works
Tell us the deal
Five minutes: property, amount, timeline and exit. No credit pull to get started.
We shop it to matched lenders
We package your file and send it only to lenders whose box fits your deal, so you aren’t chasing declines.
Compare term sheets and close
You choose the offer. We manage appraisal, docs and title through to funding.
Deals we’re built for
Illustrative scenarios based on our current programs. Your numbers will differ.
Self-employed buyer, no rental history yet. Qualified on AirDNA projected income at 85% LTV and closed in an LLC with a 30-year fixed term.
Owner stacked with daily-debit advances. A term loan on a 10-year amortization paid them off and replaced them with one monthly payment.
Developer’s senior lender came in short. Mezzanine financing filled the gap so lots could be developed without bringing in a new equity partner.
Who you’ll work with
Greg Wilson, Founder
I started Tribune Funding to give investors and business owners a straight answer on financing. When you call, you reach me, not a call center. I’ll tell you which lenders fit your deal, what it will realistically cost, and when it doesn’t make sense.
We work everything from 30-year DSCR rental loans to gap and mezzanine financing on land subdivision projects.
Greg is also the publisher of LenderTribune.com, a commercial real estate finance resource.
Common questions
Is Tribune Funding a direct lender?
No. Tribune Funding is a commercial loan broker. We match your deal with private and institutional lenders and manage the process through closing.
What loan sizes do you work with?
Business term loans run $50,000 to $500,000 and DSCR rental loans $100,000 to $2 million. Larger commercial, bridge and construction deals are reviewed case by case.
Will applying hurt my credit?
No. We don’t pull credit to review your scenario. A lender may run credit later, with your permission, once you choose an offer.
Do I need tax returns for a DSCR loan?
No. DSCR loans qualify on the property’s cash flow, with no personal income or DTI review. The minimum DSCR is 1.0, credit starts at 680, and short-term rentals can qualify using AirDNA income.
How fast can I close?
Business term loans typically fund 1 to 3 business days after approval. DSCR loans come with a free 45-day rate lock from the date the appraisal is paid. Bridge and commercial timelines depend on appraisal and title.
Which states do you lend in?
Our lending partners cover most of the U.S., and eligibility varies by program. For example, our business term loan is not currently available in CA, DE, IL, KS, MD, MN, MT, NE, NC, ND, SD, TN, TX, UT, VT or VA.
What does it cost to use a broker?
Costs depend on the loan and the lender. Any fees are disclosed in writing before you commit to anything.
Run the numbers first
Free tools investors use before they call us.
Have a deal on the table?
Send the scenario and we’ll get back to you with options.
Tribune Funding is a commercial loan broker, not a direct lender. All loans are subject to lender underwriting and approval. Terms shown are current program guidelines or typical market ranges and are not a commitment to lend. Business-purpose loans only. Tribune Funding, 1209 Mountain Road Pl NE, Ste N, Albuquerque, NM 87110.
