Capital for rentals, flips, construction, and bridge deals.
Real estate financing built around the numbers on the property — not the bank’s outdated checklist. Fast closings, flexible leverage, and dedicated Advisor support from pre-qualification to funding.
Why Choose Sunshine Road LLC?
Unlike conventional lenders, Sunshine Road LLC focuses on the value of the collateralized asset over your financials. This means less paperwork and faster loan approval. We also work with direct lenders, not just brokers, meaning we can offer flexible loan terms like zero points and no pre-payment penalty. Our goal is for your real estate investment to succeed from start to finish.
Unmatched Speed
Pre-qualification within 24 hours and closings in as few as 10 to 14 days so you never lose a property under contract.
Underwriting That Values the Deal
We underwrite primarily on the property’s value, rent roll, or ARV — not on personal tax returns. First-time investors and LLC entities welcome.
Dedicated Advisor Through Closing
A real, dedicated financing partner helps you navigate valuation, title, covenants, and draws without any confusing runaround.
No upfront application fees, no hard pull to pre-qualify, and direct access to over 100+ private and institutional lending sources.
Real estate financing, made simple.
Whether you’re buying your first flip or scaling a multi-million-dollar rental portfolio, Sunshine Road LLC pairs you with the right capital structure.
Fix & Flip
Short-term financing to buy and rehab residential investment properties, with closings in as few as 20 days.
Move fast on distressed properties with funding structured around your purchase and renovation budget, closing in as few as 20 days.
- Experience Level:Any Experience Level
- Minimum Credit Score:660
- Advance Rate (Purchase):Up to 90%
- Advance Rate (Rehab):100%
- Loan Size:$75K – $50M
- Property Types:Single-Family, Multi-Family (1–6 Units), Condos
Real estate investors and flippers looking to buy, renovate, and sell quickly without tying up all their cash.
Rental Property Loans
Purchase or refinance rental properties with 30-year terms, including cash-out options to fund your next investment.
Qualify based on the property’s actual rental income — not your personal tax returns or W-2s. Perfect for 1–4 units, condos, and small multifamily.
- Experience Level:Any Experience Level
- Minimum Credit Score:660
- Advance Rate (Current Value):Up to 80%
- Loan Size:$75K – $2.5M
- Property Types:Single-Family, Multi-Family (2–9 Units), Condos
Buy-and-hold investors scaling a rental portfolio who want predictable 30-year debt based strictly on rental cash flow.
New Construction
Finance land acquisition and ground-up construction for new residential builds — first-time investors welcome.
Streamlined draw schedules, interest-only payments on drawn funds, and funding for single-family spec homes, build-to-rent, and multifamily.
- Experience Level:Any Experience Level
- Minimum Credit Score:660
- Advance Rate (Purchase):Up to 70%
- Construction Funding:100% New Construction
- After Rehab Value:Up to 70%
- Loan Size:$75K – $50M
- Property Types:Single-Family, Multi-Family, Condos
Builders and developers with permits and budgets ready who need dependable draw schedules to get to the certificate of occupancy.
Bridge
Short-term financing to acquire new properties or unlock equity from single-family, multi-family, and condos — fast capital for whatever your next move requires.
Asset-based capital for auction buys, partner buyouts, time-sensitive acquisitions, and property repositioning before long-term takeout.
- Minimum Credit Score:660
- ARV:Up to 75%
- Loan Size:$75K – $50M
- Property Types:Single-Family, Multi-Family (1–4 Units), Condos
Investors needing fast execution when traditional bank committee timelines would cost them the property contract.
Sunshine Road LLC provides both Private and SBA Commercial Real Estate Loans.
Whether you need fast, asset-based capital from a private lender or longer-term, government-backed SBA financing with lower down payments, our Advisors help you explore the structure that fits your property and your business.
Invest in Your Business. Build Equity. Secure Your Future.
Flexible Financing Solutions for Commercial Property Ownership
Owning the property where your business operates can be an important step toward long-term financial stability and business growth. Whether you're purchasing your first commercial building, expanding into a larger facility, renovating an existing property, or refinancing eligible commercial real estate, the right financing can help turn your property ownership goals into reality.
SBA Commercial Real Estate Loans provide qualified business owners with access to financing through government-backed lending programs, offering competitive interest rates, extended repayment terms, and potentially lower down payment requirements than conventional commercial mortgages.
At Sunshine Road LLC, we understand that purchasing commercial property is a significant investment in your company's future. Our experienced funding advisors work closely with you to understand your business objectives, evaluate available SBA financing programs, and help identify a loan structure that aligns with your financial needs.
From office buildings and retail locations to warehouses, medical facilities, manufacturing properties, and other qualifying commercial spaces, SBA financing may help you acquire or improve the property your business needs to operate and grow.
Rather than continuing to lease, property ownership may allow you to build equity, gain greater control over your business location, and establish a valuable long-term asset.
SBA Commercial Real Estate Financing Highlights
- SBA Financing Programs: SBA 7(a) and SBA 504 loan options may be available for eligible commercial real estate transactions.
- Financing Opportunities: Funding solutions up to $10 million may be available through qualifying SBA and complementary conventional financing structures.
- Extended Repayment Terms: Loan terms of up to 25 years for eligible commercial real estate financing.
- Flexible Down Payment Options: Low down payment programs are available, with up to 100% financing potentially offered through specialized qualifying structures.
- Owner-Occupancy Requirements: Businesses generally must occupy at least 51% of an existing property's rentable space, with different requirements for new construction.
- Credit Qualification Options: Some participating SBA 7(a) lenders may consider credit scores starting around 640, while certain SBA 504 lenders may consider scores starting around 660.
- Multiple Financing Purposes: Eligible uses may include commercial property purchases, qualifying refinancing, renovations, facility expansion, new construction, and certain long-term equipment investments.
- Competitive Financing Structures: SBA-backed lending programs may offer attractive repayment options designed to support long-term business financial planning.
Who Can Benefit From SBA Commercial Real Estate Financing?
SBA commercial real estate loans may be an excellent solution for established business owners looking to purchase, improve, or refinance the property their company occupies.
These financing programs can benefit businesses across a wide range of industries, including professional services, healthcare, retail, manufacturing, distribution, hospitality, and other qualifying commercial operations.
Whether you're ready to transition from leasing to ownership, purchase a larger facility to accommodate growth, renovate your current location, or establish a permanent home for your business, SBA-backed financing may provide the financial flexibility needed to achieve your goals.
Commercial property ownership may also offer valuable long-term benefits, including:
- Building Business Equity: Invest in an asset that may appreciate over time while reducing your outstanding loan balance.
- Greater Financial Predictability: Establish a structured repayment plan that may offer more stability than changing lease arrangements.
- Increased Property Control: Make eligible improvements and customize your business space to support operational needs.
- Preserving Working Capital: Explore financing structures that reduce the amount of upfront capital required for eligible property investments.
- Long-Term Business Growth: Create a foundation for future expansion while strengthening your company's asset position.
For qualifying properties, businesses may also have opportunities to lease portions of unused space to third-party tenants, provided all applicable SBA owner-occupancy and program requirements are satisfied.
Is Commercial Property Ownership the Right Move for Your Business?
Deciding whether to purchase commercial real estate involves more than comparing a mortgage payment with monthly rent.
It's important to consider your company's financial performance, future space requirements, property expenses, available cash reserves, and long-term business plans.
At Sunshine Road LLC, our advisors help you evaluate these considerations and explore financing solutions designed to support responsible property ownership. Our goal is to help you make an informed decision that benefits both your immediate business needs and your long-term financial objectives.
Your Business Deserves a Place to Grow. Let's Help You Own It.
Move Beyond Leasing. Invest in Ownership. Build a Stronger Financial Future.
At Sunshine Road LLC, we're committed to helping business owners navigate commercial real estate financing with personalized service, knowledgeable guidance, and access to available lending options.
Whether you're purchasing your first commercial property, expanding your business facilities, or refinancing an existing property, our team is here to help you understand your options and move forward with confidence.
Frequently Asked Questions
Everything you need to know about real estate financing with Sunshine Road LLC.