Let’s face it, there aren’t enough hours in the day for any business owner. Sher Funding provides the most streamlined business funding application process in the industry.
Our team of seasoned loan consultants have helped tens of thousands of real estate, restaurant, hospitality and retail business owners secure over
$3 billion in funding.
Our team will help you secure the funding you need to achieve your business goals.
We take the time to tailor funding specifically to your business needs.
LOANS
Our line of credit addresses the
#1 concern of business owners everywhere who require the flexibility to access capital at a moment’s notice, while keeping their cash flow stable. We do this by providing highest approvals
up to $1,000,000
Our flexible FixNFlip loans simplify the approval process and enable you to move quickly, maximize your leverage, and pivot when necessary..
Whether your strategy is build to rent or build to sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.
Our rental investment loans are flexible and versatile, giving you the leverage you need and the reliable capital you want.nt.
Business Purpose & Commercial Mortgage Loans Only
No owner-occupied residences are eligible
Loan Types and Qualifications
Rental Investment Loan
• Qualifications:
◦ Minimum 20% down payment.
◦ No income verification needed.
◦ The rental income must cover the loan
payment, taxes, and fees.
• Features:
◦ Rates starting at 6%.
◦ Fast funding in 9-14 business days.
◦ Long-term fixed or adjustable rates available.
Fix & Flip Loan
• Qualifications:
◦ Minimum 15% down payment.
◦ Must provide a clear plan for renovations and resale.
• Features:
◦ Financing up to 100% of renovation costs.
◦ Loan terms of 13, 19, or 24 months.
◦ Interest-only payment options during the term.
Fix-to-Rent Loan
• Qualifications:
◦ For properties being renovated to be rented out.
◦ No seasoning required (no waiting period).
• Features:
◦ Combines renovation and rental property loans into one.
◦ Lower fees for transitioning from fix-and-flip financing.
Merchant Cash Advance
• Qualifications:
$17,000 in monthly business deposits for the last threemonths.
Minimum credit score: 561.
•Features:
◦ Fast funding within 5-7 days.
◦ Repayment through daily or weekly ACH deductions or lockbox agreements.
Ground-Up Construction Loan
• Qualifications:
◦ A solid business plan and clear proof of collateral.
• Features:
◦ Loans up to $3 million.
◦ Funds are distributed in stages as construction progresses.
Portfolio Loan
•Qualifications:
◦ Allows borrowers to bundle multiple properties into one loan.
Features:
◦ Save on origination fees for larger investments.
◦ Streamlined management for multiple properties.
Line of Credit
•Qualifications:
◦ Consistent business revenue required.
◦ Minimum credit score: 600.
•Features:
◦ Access to funds as needed for operational expenses.
◦ No fixed repayment schedule.
Bridge Loan
• Qualifications:
◦ Suitable for temporary financing needs.
◦ Requires property or another asset as collateral.
• Features:
◦ Quick closings within 6-24 months.
◦ Ideal for transitioning between investments or projects.
Foreign Nationals
• Qualifications:
◦ Down payment of 20%-30%.
◦ Must provide proof of rental income potential for investment
properties.
◦ Required Documents: Passport, visa, ITIN (if applicable),
and proof of income. •
•Features:
◦ Rental property loans available with flexible terms.
Processing Timeline
Standard loans fund in 9-14 business days.
Merchant cash advances fund in 5-7 days.
Complex loans like ground-up construction
may require additional processing time.
THE FIRST 3 STEPS