alliedcommercialfunding.com

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.

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."

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.

Allied Commercial Funding finances commercial and income-producing real estate across most major property categories, including multifamily (5+ units), mixed-use, office, retail, industrial, and several specialty types. According to the company's own site, it operates as a full-service commercial direct lender for stated income and hard money/bridge loans and as a mortgage broker for bank loans, with programs ranging from $100,000 to $25,000,000+ and terms from 1–5 year short-term loans and 1–2 year bridge loans up to 30-year fully amortized financing. If your property falls into one of the categories below, it is likely within scope — but confirm the specific property and loan structure directly, since eligibility depends on the program.

Property Types Listed by Allied Commercial Funding

The site names the following property types as financeable:

The site frames this as covering "just about any type of Commercial Real Estate or Income Property Investment," and explicitly states it can lend on properties that are vacant or have high vacancies.

Owner-Occupied vs. Non-Owner Financing

Both owner and non-owner financing are available. This matters if you plan to occupy part of the property (common with office condos, mixed-use, or auto service) versus holding it purely as an investment. The site does not break down which property types are restricted to one category, so treat occupancy as a question to raise when you inquire.

Loan Programs That Apply Across These Property Types

The property list sits on top of three main funding paths:

• Stated income loans — $100,000 to $25,000,000+, terms from short-term 1–5 years up to 30-year fully amortized; the site states these can work even with credit problems or no income shown on tax returns.
• Hard money / bridge loans — 1–2 year bridge financing, positioned for fast closings such as paying off an overdue lender or meeting a purchase deadline.
• Bank loans via broker network — the company acts as a mortgage broker to place loans with banks and family offices "when other banks say no."

Borrowers across the FICO spectrum are described as eligible, from top to bottom scores.

How to Confirm Your Property Qualifies

1. Identify your property type against the table above.
2. Decide whether you need stated income, hard money/bridge, or bank placement — this drives the terms and speed.
3. Note your target loan amount ($100,000–$25,000,000+ range) and desired term (1–5 year short-term, 1–2 year bridge, or up to 30-year amortized).
4. Contact Allied Commercial Funding at 800-247-8212 with the property type, occupancy, loan amount, and timeline.

The site's stated approach is "We Have A Loan For That," including for situations outside standard underwriting — but that is a marketing claim, not a guarantee. Final eligibility, rates, and terms are set during underwriting and are not published on the page.

AlliedCommercialFunding.com is the website of Allied Commercial Funding, a full-service commercial real estate lender and mortgage broker that has been operating since 1993. According to the site, it acts as a direct lender for Stated Income Loans and Hard Money/Bridge Loans, and as a mortgage broker for bank loans. It presents itself as an option for borrowers financing commercial or income-producing property who may not fit a conventional bank profile — including those with credit problems or no income shown on tax returns.

What the company says it does

The site describes a dual role:

• Direct lender for Stated Income Loans and Hard Money/Bridge Loans, meaning it funds these itself.
• Mortgage broker for bank loans, connecting borrowers with banks and family offices in its network that lend "when other banks say no."

It markets itself on speed and on structuring loans for unusual situations, with the recurring pitch "We Have A Loan For That."

Loan programs listed

The site also lists Bridge Financing, Stated Income, Hard Money, and Fix and Flip among its navigation categories.

Property types covered

The site states it lends on most commercial and income property types, including:

• Multifamily (5+ units) and mixed-use
• Mobile home parks
• Office buildings and office condos
• Retail stores, strip malls, and shopping centers
• Warehouses, self-storage, and industrial/manufacturing
• Auto service and medical offices

It also says it will lend on vacant or highly vacant buildings.

Who it says it can serve

The stated borrower profile is broad: credit "from the top of the FICO score to the bottom," and situations where tax returns show no income. It also mentions use cases such as paying off an overdue lender or closing a purchase before a deadline. Financing is described as available "pretty much Nationwide."

What to verify before deciding

The site does not publish rates, fees, or full eligibility criteria, so those need to be confirmed directly. If you are considering it, useful questions to ask include:

• Whether your specific property type and loan size fit a current program
• Whether the loan would be funded directly or placed with a bank
• The stated income documentation it requires in place of tax returns
• Rate, points, and closing timeline for your scenario

Contact information listed on the site is 800-247-8212, along with email and social links.