Commercial Lending USA
Commercial Lending USA is a private Virginia-based commercial mortgage firm operating as a correspondent and table fund lender, providing 75+ loan programs (bridge, SBA, agency, construction, DSCR, Shariah-compliant) ranging from $50K to $200M+ to real estate investors, developers, and business owners across 45 U.S. states.
- Company typePrivate
- Founded2017
- HeadquartersWoodbridge, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Commercial Lending USA does
Commercial Lending USA LLC is a private commercial mortgage firm headquartered in Woodbridge, Virginia, founded in 2016-2017. The company operates as a Correspondent Lender, Table Fund Lender, Private Investor, and Super Broker, providing a one-stop-shop for commercial and residential investment loans across 45 U.S. states. Its portfolio spans 75+ loan programs including bridge loans, hard money, construction loans, SBA 7(a)/504/Express, Fannie Mae, Freddie Mac, FHA/HUD, USDA B&I, DSCR, fix-and-flip, special-use property financing, and equipment financing, with loan sizes ranging from $50K to $200M+. A distinctive offering is its Shariah-compliant Islamic Investment product line structured around Murabaha, Musharakah, Ijara, Istisna, and Shariah-compliant REITs.
The firm generates revenue primarily through loan origination fees, advisory and consulting fees, participation interests and rebates, and broker/referral commissions. Distribution combines direct sales, inside sales/online applications, a self-service online portal, and an extensive channel partner program with 400+ mortgage brokers, loan officers, call centers, realtors, accountants, and online lead generators. The company accesses 200+ private lenders and investors to match borrowers with tailored financing, achieving an 80%+ loan application success rate. Technology consists of a web-based platform with CRM integration, loan calculators (bridge, term, refinance variants), and proprietary underwriting processes.
The customer base targets real estate investors, developers, contractors, business owners, and special-use property owners across the U.S., with recent disclosed deals ranging from $420K (car dealership refinance) to $8.7M (hotel purchase) and $8.2M (9-unit single-family new construction). The team of 11-50 employees includes CEO Sam Haq and approximately 8 named loan officers. The firm is BBB accredited and a member of the American Association of Private Lenders. No venture capital or institutional investor backing is evidenced; ownership appears founder/management-controlled.
Commercial Lending USA firmographics
Firmographics- Name
- Commercial Lending USA
- Legal name
- Commercial Lending USA LLC
- Website
- https://commerciallendingusa.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Commercial Lending USA is a private Virginia-based commercial mortgage firm operating as a correspondent and table fund lender, providing 75+ loan programs (bridge, SBA, agency, construction, DSCR, Shariah-compliant) ranging from $50K to $200M+ to real estate investors, developers, and business owners across 45 U.S. states.
- Ownership category
- akta.pro rank
Commercial Lending USA industry classification
Industry- Product category
- Commercial Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
- akta.pro secondary industries
- Commercial & Multifamily Correspondent Lending (FSALACAH), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Commercial/Non-Residential Construction-to-Perm Financing (FSALAHAE), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where Commercial Lending USA is headquartered
LocationHeadquarters
- HQ city
- Woodbridge
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Commercial Lending USA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Loan Origination Fees: Fees charged for originating and arranging commercial loans, including origination fees, placement fees, and processing fees
- Advisory and Consulting Fees: Compensation for loan advisory and consulting services provided throughout the financing process
- Participation Interests and Rebates: Revenue from participation interests and rebates in financing transactions
- Broker/Referral Fees: Commission-based revenue from referral partners including brokers and loan officers who bring borrowers to the platform
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Commercial & Multifamily Bridge Loans: $1M - $50M+ |
| Other | Pay-as-you-go | Hard Money Loans: $150K - $20M+ |
| Other | Multi-year contract | Agency Construction-to-Perm: $5M - $100M+ (Fannie Mae/Freddie Mac) |
| Other | Multi-year contract | SBA 504 Loans: Up to $15M+ |
| Other | Multi-year contract | SBA 7(a) Loans: Up to $5M |
| Other | Multi-year contract | SBA Express Loans: Up to $500K |
| Other | Multi-year contract | FHA/HUD Loans: $2M - $100M+ |
| Other | Pay-as-you-go | Fix N' Flip Loans: $75K - $5M |
| Other | Multi-year contract | Fannie Mae Loans: $1M - $200M+ |
| Other | Multi-year contract | Freddie Mac Loans: $1M - $200M+ (Small Balance $750K - $7.5M) |
| Other | Pay-as-you-go | Construction Loans: $500K - $100M+ |
| Other | Multi-year contract | DSCR Loans: $250K - $10M |
| Other | Multi-year contract | Equipment Financing: Up to $250K (simple application), $2M (mid-size) |
| Other | Multi-year contract | USDA B&I Loans: Up to $20M |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Commercial Lending USA product offering
Product offeringCore offering
Commercial Lending USA is a commercial mortgage firm that originates and arranges commercial and residential investment loans for real estate investors, developers, contractors, and business owners. Operating as a Correspondent Lender, Table Fund Lender, and Super Broker with access to 200+ private lenders and investors, the company offers a full suite of loan products ranging from $50K to $200M including bridge loans, construction loans, SBA loans, agency loans (Fannie Mae, Freddie Mac, FHA/HUD), fix-and-flip loans, DSCR loans, and equipment financing, with nationwide coverage across 45 states.
Product overview
Commercial Lending USA operates as a commercial mortgage firm offering a comprehensive suite of loan products designed for real estate investors, developers, contractors, and business owners. The portfolio includes core lending products such as Bridge Loans, Construction Loans, Commercial Loans, Fix N' Flip Loans, Special-Use Loans, SBA Loans (7(a), 504, Express), USDA B&I Loans, Residential Investment Loans, DSCR Loans, FHA/HUD Loans, Fannie Mae Loans, and Freddie Mac Multifamily Loans. Supporting products include Stated Income/No Doc/Lite Doc Loans for streamlined documentation, Hard Money Loans for short-term asset-based financing, and Equipment Financing for business needs. Specialized offerings include Islamic Investment products structured around Shariah-compliant models (Murabaha, Musharakah, Ijara, Istisna, REITs). The company also provides digital tools including loan calculators (bridge, term, refinance variants) and a Referral Partner Program platform with CRM access for brokers and partners. Operating as a Correspondent Lender, Table Fund Lender, and Private Investor with access to 200+ private lenders, the company supports loan amounts up to $200M for commercial purchases or refinancing.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term commercial real estate loans designed to bridge financial gaps during property transitions, acquisitions, or time-sensitive opportunities. Loan sizes from $1M to $50M+, up to 60-70% LTV/LTC, 6-8 weeks close, 12 months to 5 year terms.
- Construction Loans Financing for ground-up developments and commercial construction projects covering material and labor costs for multifamily, office, retail, and industrial properties. Loans from $500K to $100M+ with 12-24 month interest-only programs and minimum 620 credit score.
- Commercial Loans Traditional commercial real estate mortgages with amortization schedules and repayment terms typically ranging from 5-30 years for first loans on commercial properties, for small business owners purchasing, renovating, or refinancing real estate debt.
- Stated Income / No Doc / Lite Doc Loans Streamlined loan programs that eliminate traditional income documentation requirements, allowing borrowers to qualify based on stated income, lite-doc, no-doc, or bank statement options for borrowers with non-traditional income or credit profiles.
- Fix N' Flip Loans Short-term real estate loans for investors purchasing and renovating properties for resale at profit within 12-18 months. Loans from $75K to $5M with up to 90% LTC or 75% LTV, interest only, 6-18 month terms, and 15% minimum down.
- Special-Use Loans Financing solutions for non-traditional commercial properties including medical facilities, hospitality, educational buildings, recreational facilities, restaurants, industrial properties, and self-storage that don't qualify for conventional loans.
- SBA Loans (7(a), 504, Express) Small Business Administration-backed loans providing up to 90% financing for owner-occupied commercial properties. SBA 504 offers up to $15M+ for large acquisitions with 25-year amortization; SBA 7(a) up to $5M with up to 25-year terms for real estate; SBA Express up to $500K with 36-hour response time.
- USDA Business & Industry (B&I) Loans Government-backed USDA loans focused on economic development in rural regions, providing up to $20M capital for rural business expansion, modernization, and competitiveness with up to 80% LTV and competitive interest rates.
- Residential Investment Loans Financing for residential investment properties including 1-4 unit townhomes, single-family homes, condos, and multi-family units. Includes flip loans, landlord loans, and cash-out refinance options for residential investors.
- DSCR Loans Debt Service Coverage Ratio loans that qualify borrowers based on property rental income rather than personal finances. Loans from $250K to $10M with minimum 660 credit score, DSCR 1.0 minimum, up to 80% LTV, and 30-year terms.
- FHA/HUD Loans Federal Housing Administration and HUD insured loans from $2M to $100M+ for multifamily properties, healthcare facilities, and commercial acquisitions under programs including Section 202, 203(b), 221(d)(4), 223(f), 223(a)(7), 232, 241(a), and 504. Interest rates 4.5-5.5% with 35-40 year terms.
- Fannie Mae Loans Agency-backed Fannie Mae financing for stabilized multifamily properties, affordable housing, seniors housing, and student housing. Loans from $1M to $200M+ with up to 80% LTV, DSCR 1.15x-1.45x, 5-30 year terms, and mostly non-recourse options.
- Freddie Mac Multifamily Loans Government-sponsored enterprise financing for multifamily acquisitions, refinances, and upgrades including conventional multifamily, small balance ($750K-$7.5M), targeted affordable housing, student housing, senior housing, and green advantage programs. Loans from $1M to $200M+ with up to 80% LTV and 30-year amortization.
- Hard Money Loans Short-term asset-based financing with terms of 6-24 months, using property value as collateral rather than borrower credit. Loans from $150K to $20M+, up to 60-80% LTV/LTC, 4-6 weeks close, with interest rates typically 10-18%.
- Equipment Financing Flexible financing solutions for business equipment purchases across 30+ industries including commercial, transportation, industrial, medical, technology, and construction equipment. Up to $250K simple application, $2M mid-size, with 24-84 month terms and 90% finance for equipment and soft costs.
- Islamic Investment (Shariah-Compliant) Shariah-compliant real estate investment models including Murabaha (cost-plus sale), Musharakah (partnership), Ijara (leasing), Istisna (construction financing), and Shariah-compliant REITs for Muslim investors seeking halal real estate investments.
Quantifiable outcome
- 80%+ loan application success rate
- +4 more outcomes
Companies that use Commercial Lending USA
Customer profileNamed customers12 records
Segments8 records
Ideal customer profiles4 records
Commercial Lending USA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Commercial Lending USA partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered specialty and core.
- Islamic Investment PartnersspecialtyShariah-compliant investment structures including Murabaha, Musharakah, Ijara, Istisna, and Shariah-compliant REITs for Muslim investors seeking halal real estate investments.
- 400+ Referral Partners (Brokers, Loan Officers, Realtors)coreExtensive network of mortgage brokers, loan officers, call centers, realtors, accountants, and lead generators accessing proprietary portal and CRM for loan product distribution with commission-based compensation.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Commercial Lending USA competitors and assessment
Company assessmentDirect peers
- RCN Capital: Direct peer offering short-term bridge, fix-and-flip, and rental portfolio loans to real estate investors. Comparable in product mix (bridge, hard money, construction), deal-size range, and focus on borrowers turned away by banks.
- Kiavi: Direct peer providing bridge, fix-and-flip, and rental loans to real estate investors with a tech-enabled platform. Comparable target borrower and product mix, but differentiated by more proprietary technology.
- Angel Oak Capital Solutions: Direct peer offering non-QM, bridge, and commercial real estate investor loans with flexible documentation. Comparable in serving borrowers declined by traditional banks and in stated-income/no-doc product positioning.
- Lima One Capital: Direct peer in SFR/fix-flip and rental portfolio lending, owned by Walker & Dunlop. Overlapping product set (bridge, new construction, DSCR-style) and similar investor-borrower target market.
- CoreVest Finance: Direct peer in single-family rental and bridge financing for real estate investors (acquired by Redfin). Comparable SBA, bridge, and rental loan products targeted at the same investor-borrower base.
- LendingOne: Direct peer providing fix-and-flip, new construction, rental, and bridge financing for residential and small commercial investors. Operates a similar correspondent-style, multi-product lending model with nationwide reach.
Emerging players
- EasyKnock: Emerging player in alternative residential real estate financing with sale-leaseback and investor-focused products. Partial overlap with the firm's stated-income and non-traditional documentation positioning.
Broad incumbents
- Marcus & Millichap: Broader incumbent CRE investment sales and financing firm with an in-house IPA Capital Markets debt origination business. Comparable commercial loan brokerage activity for mid-market investors.
- JLL Capital Markets: Broader incumbent with a full-service commercial real estate capital markets platform including debt origination, agency lending, and structured finance. Overlaps with the firm's agency multifamily and CRE advisory offerings.
- Arbor Realty Trust: Broader incumbent in multifamily, bridge, and CRE lending with agency (Fannie/Freddie) and proprietary capital. Comparable in agency multifamily channel and bridge product, but operates at substantially larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Commercial Lending USA social profiles
Digital presenceCommercial Lending USA financial estimates
Financial estimateRevenue estimate
Valuation estimate
Commercial Lending USA leadership team
Management profileNumber of profiles
Profiles9 records
Commercial Lending USA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Commercial Lending USA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Commercial Lending USA
What does Commercial Lending USA do?
Commercial Lending USA is a commercial mortgage firm that originates and arranges commercial and residential investment loans for real estate investors, developers, contractors, and business owners. Operating as a Correspondent Lender, Table Fund Lender, and Super Broker with access to 200+ private lenders and investors, the company offers a full suite of loan products ranging from $50K to $200M including bridge loans, construction loans, SBA loans, agency loans (Fannie Mae, Freddie Mac, FHA/HUD), fix-and-flip loans, DSCR loans, and equipment financing, with nationwide coverage across 45 states.
Is Commercial Lending USA a public or private company?
Commercial Lending USA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Commercial Lending USA founded?
Commercial Lending USA was founded in 2017. It employs 11 to 50 people.
Where is Commercial Lending USA based?
Commercial Lending USA is headquartered in Woodbridge, United States, in the North America region.
How does Commercial Lending USA make money?
Four revenue lines are on record. Loan Origination Fees are the primary driver. The others are advisory and Consulting Fees, participation Interests and Rebates and broker/Referral Fees.
Who are Commercial Lending USA's main competitors?
Direct peers on record are RCN Capital, Kiavi, Angel Oak Capital Solutions, Lima One Capital, CoreVest Finance and LendingOne. EasyKnock is listed as an emerging player. Broad incumbents are Marcus & Millichap, JLL Capital Markets and Arbor Realty Trust.
Does Commercial Lending USA have an API?
No public API is recorded for Commercial Lending USA.
What industry is Commercial Lending USA in?
Commercial Lending USA's product category is Commercial Mortgage Lending. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage, with a secondary code of FSALACAH, Commercial & Multifamily Correspondent Lending. Its NAICS code is 52231 and its SIC code is 6162.