At Richmond-mortgage, we believe your business deserves more than just capital—you deserve smart capital. Our Commercial Loans give you the power to expand, upgrade, or operate with confidence. Whether you’re acquiring property, buying equipment, funding operations, or building out space, we tailor financing that fits your vision. It’s not just a loan—it’s the tool your business needs to grow.
Customized Solutions — From term loans, lines of credit, to real estate financing, we match the product to your goals.
Strategic Underwriting — We analyze cash flow, collateral, and business plans—not just credit scores.
Flexible Repayment Terms — Fixed or variable, long or short duration—structured to support your operations.
Speed & Transparency — Clear processes, upfront fees, less red tape so your focus stays on business.
Collateral & Asset Support — Use equipment, real estate, or business assets as security to access better terms.
Ongoing Partnership — We don’t walk away at funding. We help you manage, scale, and refine your growth trajectory.
Business Expansion – Open new locations, increase capacity, or enter new markets.
Equipment & Technology – Acquire machinery, vehicles, or state-of-the-art systems.
Commercial Real Estate – Purchase, build, or refinance office, retail, or industrial property.
Working Capital & Operations – Manage cash flow, inventory, payroll, seasonal fluctuations.
Renovation & Build-Outs – Redesign or upgrade your business premises for better utilization.
Collateral is Common — Most commercial loans require business or real estate assets as security.
Cash Flow Matters — Your ability to repay from operations is critical to approval.
Financial Documentation Required — Expect to provide financial statements, tax returns, business plans & projections.
Interest & Fee Structures Vary — Rates depend on risk profile, term, and collateral.
Refinancing & Scaling — Many businesses refinance or expand once revenue stabilizes.
Ans: Yes, if they can demonstrate a realistic business plan, initial revenue or contracts, and provide strong collateral or guarantees.
Ans: Rates depend largely on your business’s strength, loan type, term, and collateral.
Ans: Absolutely — lines of credit let you draw funds as needed for operational flexibility.
Ans: That varies, but many loans close in 30–60 days depending on underwriting, documentation, and appraisal needs.
Ans: Some loans have prepayment penalties; we’ll disclose that up front so you know the cost of early payoff.
Ans: In many cases, yes — especially if your business is newer or lacks substantial assets.
