Commercial Loans | Commercial Mortgage Loans

Congratulations! You have found YSP Loans, a division of Griffin Capital Funding and leading provider of wholesale commercial loans to the commercial mortgage broker community. Our business model is ---pay the highest commercial loan premiums to mortgage brokers while offering the most competitive commercial loan pricing available in the marketplace. Our brokers earn up to 3% YSP and our correspondents earn 4%. Our process is and we offer commercial loans from $250,000 to $15 million on most commercial property types including apartment/multi family, retail, office, light industrial, owner occupied, investor, owner occupied construction loans, automotive, and many more. We do not offer loans on single family homes, raw land, construction loans on investment properties or on subdivisions.

Here is why you should work with us on your commercial loans:

Speed—You can expect a term sheet in 24 hours and a loan commitment within one week of submission of a complete loan package.

Flexible Third Party Guidelines—In most cases we will accept recommendations from you on an appraiser you want us to use. We may use them if they meet our guidelines.

Zero Point Loans—Offer your customer great rates and terms while charging no points (you can charge up to 2 points in addition to the YSP)

Pricing—We offer some of the most aggressive wholesale rates in the industry.

Griffin Capital Funding is a direct commercial mortgage lender. We offer first and second trust commercial loans from $250,000 to $15,000,000. We are the highest Yield Spread Premium paying A&B paper commercial mortgage lender in the country.

We offer six different commercial loan products:

1. Full Document Commercial Loans - 85% is the maximum we will lend; this is made up of a 75% first trust commercial loan and up to a 10% second trust commercial loan. Our minimum credit score is 600 however we do not allow any prior history of BK on our Full Document commercial loan product. Loan amounts from $250,000 to $15,000,000


2. Stated Income Commercial Loans – 80% is the maximum we will lend; we do not offer second trusts on this product. Our minimum credit score is 650 and no BK in the past 7 years is allowed. Loan amounts from $250,000 to $2,000,000


3. Commercial Bridge Loans – 70% is the maximum we lend; second trusts are permitted but we do not offer them. There are no minimum credit score requirements. The commercial bridge loan is offered from $1mm to $15mm in most metropolitan areas. General purpose commercial properties are allowed with a special interest in income producing properties.


4. SBA 504 Commercial Loans – 90% is the maximum combined loan to value between our commercial loan and the SBA debenture. No minimum set credit score. Loan amounts from $500,000 to $7,500,000.


5. B&I Commercial Loans – 90% is the maximum we will lend. No minimum set credit score. Loan amounts from $1mm to $15,000,000.


6. Non Profit Loans – 80% first trust commercial loans and up to 100% CLTV with a second trust.

On a select basis we are accepting Correspondent Relationships with companies that:

1. Can identify good commercial loan scenarios using our underwriting standards and send us a complete package of information with a write up.


2. Have an established network of brokers that send commercial loans OR are marketing directly to the general public to find commercial loan scenarios.


3. Work directly with customers and will allow one of our analysts to do a phone interview as your company representative on every commercial loan transaction.


4. The Principals and Owners may be subject to a background check.

What you can expect from us:

1. Conditional approvals in as little as 24 hours.
2. Weekly conference calls and training.
3. Aggressive products.
4. Aggressive pricing.
5. Creative deal structuring.
6. Quick No’s
7. Up to 4% Yield Spread Premium.