Bring your financing picture into focus.
Organize your property, credit, cash contribution and experience for a lender conversation. Choose your financing goal to see the questions that matter for your deal.
Preliminary planning only. This tool does not approve or deny credit, pull your credit report, or provide a loan offer.
Fields marked * are required. Use estimates if necessary and enter 0 only when the amount is truly zero. Leave optional amounts blank if unknown. Amounts are in U.S. dollars. When you select “Send & view my summary,” your contact details (if provided) and all current financing answers will be emailed to gsheppard@gforcefunding.com for review. Do not enter Social Security numbers or account numbers.
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Your preliminary financing summary
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These calculations organize your estimates; they are not a credit decision, approval, rate quote or commitment to lend. Requirements vary by lender, property, program and transaction. A lender must verify credit, collateral, cash flow and source of funds.
The button above opens our contact page for a separate inquiry. Your tool submission status appears at the top of this summary.
What lenders review
Commercial financing depends on the whole transaction: the amount requested, collateral, documented repayment capacity, available equity, credit history and relevant experience. There is no universal FICO score, down payment or debt-service ratio that guarantees approval.
How are the ratios calculated?
The displayed loan-to-value (LTV) is the requested loan divided by current property value. It excludes any additional liens remaining after closing; a lender may calculate combined LTV. For renovation projects, the tool also shows loan-to-after-repair-value and loan-to-cost using purchase price plus renovation budget. Property net operating income (NOI) is annual gross income minus vacancy allowance and operating expenses. Debt-service coverage (DSCR) is that NOI divided by annual property debt payments; for business acquisitions, it uses entered cash flow divided by existing plus proposed annual debt payments. A ratio of 1.00x means those entered cash flows equal those debt payments, not that a lender will approve the loan.
What is the difference between fix & flip and fix & hold?
A flip normally relies on a sale to repay short-term financing. A hold relies on ongoing cash flow and may require a separate long-term refinance. Be ready to discuss your renovation budget, timeline, contractor, reserves and a backup exit plan.
Is this a loan application or a credit check?
No. It is a self-service planning tool. It does not pull credit or determine eligibility. Clicking “Send & view my summary” emails your current financing answers and any provided contact details to gsheppard@gforcefunding.com. Closing the opening contact form lets you continue without contact details, but your financing answers will still be sent when you submit. Keep your printed summary private. To apply, contact G-Force Funding and use the lender's designated application process.
Background: FDIC commercial real estate lending guidance and SBA 7(a) loan overview. SBA financing is not suitable for every property investment or transaction.
