Business Funding Solutions Across Industries
North Star Mortgage Network | Commercial Lending Division
At North Star Mortgage Network, we understand that access to capital is critical to business success. Whether you’re running a construction crew, a dental office, or a trucking fleet, we offer tailored funding solutions that align with your growth goals. From working capital to hard money programs, our options are built to move quickly and efficiently.
We proudly serve a wide range of industries, offering financing designed to help your business thrive.
Industries We Can Help Fund
Our commercial lending division supports businesses in many sectors, including:
- Construction Companies
- Child Care Services
- Plumbing Services
- Equipment & Tool Rentals
- Janitorial Services
- Manufacturing Facilities
- Trucking & Logistics Companies
- Franchise and Chain Stores
- Automotive Repair and Service Centers
- Health Care Clinics
- Chiropractic and Dental Offices
- Mortuary and Funeral Services
- HVAC Companies
If your business falls within or near one of these categories, there’s a good chance we can help.
Working Capital Access
Line of Credit – Up to $500,000
- Funds released in less than 5 days
- Daily payment structure (Monday–Friday)
- Simple documentation and fast approvals
- Ideal for managing day-to-day operations or unexpected expenses
Merchant Cash Advance (MCA)
Up to $150,000 Per Location
- Linked POS system required
- Funds released in 7 to 10 days
- Holdbacks range from 10% to 49%
- Designed for businesses with strong daily receivables
Real Estate Investment Funding: Hard Money Programs & More
Whether you’re flipping a house, refinancing a multifamily property, or tackling a commercial rehab, our hard money programs provide flexible asset-based funding without the red tape.
Hard Money Programs
- Loan amounts from $200,000 to $6,000,000+
- Up to 65% Loan-to-Value (LTV)
- Interest-only terms at 11.99% to 12.99%
- Close in 7 to 10 days
- No minimum credit score or income verification
- Foreign nationals welcome
- Seller seconds and cross-collateralization allowed
- Perfect for fast acquisitions, bridge financing, or value-add projects
Bridge / Fix & Flip Program
- Up to 90% Loan-to-Cost (LTC) or 80% LTV
- 100% renovation costs funded (within max LTV)
- Interest-only rates from 9.99% to 12.50%
- Loan sizes up to $7.5 million
- 21 to 28 day closings
- 680 minimum credit score (case-by-case exceptions)
- First-time flippers welcomed
Rental / DSCR Program
- Up to 80% LTV
- 30-year fixed or ARM options
- Rates in the 7%–8% range
- 5/1 ARM, 10/1 ARM, and 30-Year Fixed
- DSCR as low as 0.75
- No personal income documentation
- Short-term rentals and vacant properties allowed
- Available for single-family and multifamily rentals
Primary Residence Options (Florida, Texas & California)
- Up to 90% LTV
- Loan amounts from $250,000 to $10 million
- Documentation options: Bank Statement, W2, P&L, or No-Doc
- Rates in the 6%–8% range
- 30-Year Fixed or 5/1 ARM options
- 680+ FICO (exceptions to 650 case-by-case)
- Available only for properties in FL, TX, and CA
Ground-Up Construction Loans
- 12, 18, or 24 month terms
- Up to 85% LTC and 70% After-Repair Value (ARV)
- No interest on undrawn funds
- Loan sizes: $500K to $25M+
- Fast funding in 21 to 28 business days
- Available for single family, multifamily, and select commercial
Commercial Real Estate Loan Program
- Property types: Multifamily, Retail, Office, Warehouse, Storage, Mobile Home Parks, and more
- Loan sizes: $500,000 to $25 million+
- LTV: Up to 75% on purchases, 65%–70% on refinances
- No DSCR required for rapid bridge option
- Recourse and non-recourse available
- Rates start in the 12% range
- Funding timelines as quick as 14–24 days
Ready to Get Funded?
Whether you’re looking for quick working capital, exploring hard money programs, or financing a commercial real estate deal—North Star Mortgage Network has a funding solution that’s built for your business.
Call or text Nathan Young directly at (904) 418-3770
Visit us online at: www.nsmn.com
