What Loan Terms and Structures Are Available from Allied Commercial Funding?

Allied Commercial Funding offers commercial real estate loan terms that range from short-term 1–5 year loans and 1–2 year bridge loans up to 30-year fully amortized stated income financing. Both owner-occupied and non-owner-occupied properties can be financed, and stated income programs run from $100,000 to $25,000,000+. The right structure depends on whether you need speed, flexibility on documentation, or the lowest long-term payment.

Loan Terms at a Glance

Allied describes itself as a full-service commercial direct lender for stated income and hard money/bridge loans, and as a mortgage broker for bank loans. That distinction matters: on direct-lender products, Allied controls the underwriting and can move quickly; on brokered bank loans, terms come from the third-party lender.

Short-Term and Bridge Structures

Bridge financing of 1–2 years is positioned for time-sensitive needs — the site specifically names paying off an overdue lender or completing a purchase with a fast-approaching deadline. Short-term loans extend to 5 years, which suits a borrower who wants a fixed exit horizon rather than a 30-year commitment.

Because these are shorter commitments, expect the trade-off to run in the other direction from a long-term loan: the priority is closing speed and flexibility, not the lowest possible rate over decades. If your plan involves refinancing or selling within a few years, a bridge or short-term structure can fit; if you intend to hold the property long term, the amortized option below is the more natural comparison.

Long-Term Stated Income Financing

The longest structure described is a 30-year fully amortized stated income loan. "Fully amortized" means the loan is scheduled to pay off completely over the term through regular payments, rather than ending in a balloon balance. "Stated income" means qualification does not depend on showing income on tax returns — Allied states it can finance borrowers who "show no income in their tax returns."

This combination is the key differentiator for investors whose properties perform well but whose tax returns understate cash flow. The trade-off is that stated income programs typically price above conventional bank loans; the site does not publish rates, so you would need to request terms for your specific deal.

Owner-Occupied vs. Non-Owner-Occupied

Both are available. The site does not break out different terms, LTV limits, or pricing between the two categories, so treat occupancy as a qualifying characteristic rather than a term structure — you still choose among short-term, bridge, or amortized financing either way.

What the Site Does Not Specify

• Interest rates — no rates are published for any program.
• Amortization on short-term and bridge loans — only the 30-year stated income option is described as fully amortized; whether shorter loans are interest-only or amortizing is not stated.
• Prepayment penalties, fees, and LTV requirements — not disclosed on the page.
• Bank/conventional loan terms — these come from Allied's network of banks and family offices, so terms vary by lender.

How to Choose a Structure

• Need to close fast or pay off an existing lender? Bridge (1–2 years) is the structure built for that.
• Have a defined exit in a few years? Short-term (1–5 years) gives you a fixed horizon.
• Holding long term and want stable payments without full tax-return documentation? The 30-year fully amortized stated income option is the closest fit.
• Want the most aggressive pricing and can document income? Ask about the bank/conventional placement through Allied's lender network.

To confirm which structure applies to your property and situation, contact Allied directly at 800-247-8212 — the site presents itself as structuring each loan to the borrower's specific scenario rather than publishing a fixed rate card.