What Borrower Qualifications Does Allied Commercial Funding Consider?

Allied Commercial Funding states that it works with borrowers across the full FICO range — "from the top of the FICO score to the bottom" — and that its stated income and hard money programs can accommodate credit problems or tax returns showing no income. The trade-off is that these are commercial real estate loans, not consumer mortgages, and the specific terms depend on which program fits the property and situation.

Credit: No Stated Minimum, but Program Determines Fit

The site does not publish a minimum FICO score. Instead, it describes credit flexibility as a core part of its offering:

• Borrowers with strong credit can be placed with "aggressive niche banks and family offices" through its broker channel.
• Borrowers with credit problems are directed toward its direct stated income and hard money/bridge programs.
• The stated income program is described as available "for any FICO since 1993."

In practice, this means credit score alone does not disqualify you — but it does steer which program you end up in, and hard money or stated income terms typically price differently than bank loans.

Income Documentation: Stated Income and No-Tax-Return Options

This is the most distinctive part of the qualification picture. Allied Commercial Funding describes itself as a direct stated income lender and hard money lender that can "provide financing even if you have credit problems or show no income in your tax returns."

That means:

Stated income here does not mean no verification of any kind — it means the loan is underwritten without relying on tax returns as the primary income proof. Expect the property's income and the deal structure to carry more weight.

Loan Size and Terms

• Loan range: approximately $100,000 to $25,000,000+ under the stated income programs.
• Term options: short-term 1–5 year loans, 1–2 year bridge loans, and up to 30-year fully amortized stated income financing.
• Occupancy: both owner-occupied and non-owner financing are available.

Property Types Considered

The stated income and hard money programs cover a wide range, including multifamily (5+ units), mixed-use, mobile home parks, office buildings, retail stores, strip malls, shopping centers, warehouses, self-storage, auto service, office condos, industrial, manufacturing, and medical offices. The site also notes it can lend on vacant or high-vacancy buildings — a situation many conventional lenders decline.

What This Means for a Borrower

If your credit is strong and your tax returns show solid income, the broker channel toward bank financing is likely your lowest-cost path. If your credit is damaged, your returns show little income, or you need to close fast (payoff of an overdue lender, a purchase deadline), the direct stated income or bridge programs are the ones designed for that profile. Because qualification is program-specific rather than a single published standard, the practical next step is to describe your property type, loan amount, credit situation, and timeline, and ask which program applies — the site's stated posture is "We Have A Loan For That."