What Types of Commercial Real Estate Loans Does Allied Commercial Funding Offer?

Allied Commercial Funding (alliedcommercialfunding.com) presents itself as a full-service commercial direct lender and mortgage broker offering four main financing tracks: Stated Income Loans, Hard Money/Bridge Loans, Bank Loans sourced through partner banks and family offices, and Fix and Flip financing. According to the site, these programs cover most commercial property types and are available to borrowers across the credit spectrum, with stated income loan amounts ranging from $100,000 to $25,000,000+.

Stated Income Loans

This is the flagship product described on the site. It is designed for borrowers who want financing without the income documentation a conventional bank would require.

• Amount range: $100,000 to $25,000,000+
• Terms: short-term 1–5 year loans, up to 30-year fully amortized financing
• Occupancy: both owner-occupied and non-owner-occupied properties
• Borrower profile: the site states these loans can work "even if you have credit problems or show no income in your tax returns," and that programs cover borrowers from the top to the bottom of the FICO range

This track is the one to consider if your tax returns understate your actual cash flow, or if your credit history would fail a conventional bank screen.

Hard Money and Bridge Financing

These are the short-term options, positioned for speed rather than long-term cost.

• Bridge loan terms: 1 to 2 years
• Use cases named on the site: paying off an overdue lender, or closing a purchase with a fast-approaching deadline
• Speed: the site emphasizes that as a direct hard money lender it "can move fast"

Bridge and hard money financing is the fit when the constraint is time, not rate — for example, a purchase contract with a short closing window or a lender demanding payoff.

Bank Loans and Conventional Financing

Allied Commercial Funding also acts as a mortgage broker, placing loans with what it describes as "aggressive niche banks and family offices that provide lending when other banks say no." The site frames this as an option for borrowers who want bank-style terms but have been turned down elsewhere. Because this track depends on third-party lenders, terms and qualification standards are set by those institutions rather than by Allied itself.

Fix and Flip

The site lists Fix and Flip as a distinct navigation category alongside the other programs, indicating short-term financing for purchase-and-renovation projects. The page evidence does not detail specific rates, terms, or loan amounts for this category.

Property Types Covered

According to the site, financing is available for:

The site also states it will lend on vacant or high-vacancy buildings, and describes its scope as "pretty much Nationwide."

How to Choose Among These Programs

The site's own framing suggests a simple decision logic:

• Need speed or have a deadline? Hard money or bridge financing.
• Have income but weak documentation or credit? Stated income loans.
• Want bank-style terms and have been declined elsewhere? The broker channel to niche banks and family offices.
• Buying and renovating for resale? Fix and flip.

The site does not publish rates, fees, or minimum credit scores for any program, so those specifics would need to be confirmed directly. Contact information listed is 800-247-8212, and the company states it has operated since 1993.