Our Solution
1st Mortgages
2nd Mortgages
Caveat Loan
Developer Funds
1st Mortgages
Property-Based Lending Solutions
Our 1st Mortgage loans are secured against your business’s property, offering a primary lien over the property as collateral. This is the first option for businesses looking to either purchase a property outright or refinance existing property debt.
Purpose: Ideal for acquiring commercial real estate, refinancing existing loans, or purchasing new assets for your business.
Key Features:
Lower interest rates compared to unsecured loans or secondary mortgages.
Structured for long-term use, offering stability in repayment terms.
Provides access to substantial capital based on the value of the property.
Why Choose Us?: We provide highly competitive rates and flexible terms, working closely with you to structure a loan that fits your business's financial profile and growth objectives.
2nd Mortgages
Property-Based Lending Solutions
For businesses looking to leverage their existing property but still needing more financing, our 2nd Mortgage option allows you to secure a second loan using the remaining equity in your property after the first mortgage.
Purpose: Commonly used for business expansion, major renovations, equipment purchases, or consolidating debt.
Key Features:
Higher interest rates compared to a 1st mortgage due to being a subordinate loan.
Enables access to capital without refinancing or restructuring your 1st mortgage.
Offers flexibility for businesses that need cash flow for new investments or operational needs.
Why Choose Us?: We make accessing the remaining equity in your property simple, with quick approvals and customized repayment options.
Caveat Loan
Quick Access Loans for Urgent Needs
Sometimes, businesses need immediate access to funds without going through the lengthy process of traditional loan applications. Our Caveat Loan solution offers quick access to funds by placing a caveat on your property as security.
Purpose: Used for urgent financing needs, such as bridging a gap between transactions, emergency capital, or short-term investments.
Key Features:
Quick funding—often within 24-48 hours after application approval.
Short-term loan solution, typically lasting between 1 to 12 months.
Higher interest rates due to the fast nature and short term of the loan.
Why Choose Us?: With our Caveat Loans, you can secure funding quickly, often within hours, making it the perfect solution for time-sensitive financial requirements.
Developer Funds
Silver mist suffused the deck of the ship.
Large-scale development projects often require significant financial backing. Our Developer Funds solution is designed to provide this financial support for developers working on residential, commercial, or mixed-use projects.
Purpose: Ideal for property developers seeking to fund land acquisitions, construction, or large-scale developments.
Key Features:
Loan amounts range from $1M to $100M.
Terms of up to 24 months, with the possibility of extension depending on project timelines.
Competitive interest rates structured around the scope and scale of the project.
Why Choose Us?: We understand the needs of developers and offer tailored funding options with flexible repayment structures that align with project completion schedules, ensuring you have the capital to see your project through from start to finish.
Why Choose SME LEND?
Why Choose SME LEND?
- Tailored Solutions: Every business has unique needs, and we take pride in offering loan solutions that are flexible and tailored to meet your specific financial goals.
- Fast Turnaround: Whether you need urgent capital for your business or structured financing for long-term projects, we provide quick approvals and efficient processes to help you access funds when you need them.
- Expert Guidance: Our team of experienced financial professionals is here to guide you through the process, from selecting the right loan product to ensuring smooth approvals and customized repayment plans.
- Competitive Rates: We offer market-competitive interest rates and terms designed to work for your business, helping you to minimize costs and maximize opportunities.
How Our Solutions Benefit Your Business!!!
- Improved Cash Flow: Whether you’re leveraging a property or seeking short-term loans, our financing solutions provide the capital necessary to keep your business operations running smoothly.
- Increased Flexibility: With a range of loan products, including 1st and 2nd mortgages, caveat loans, and developer funds, you can choose the financing that best meets your immediate and long-term needs.
- Sustained Growth: Access to adequate financing allows you to scale your business, invest in new opportunities, and drive sustainable growth.