Our Financing Solutions

Our mission is to help your business by providing the resources needed to gain access to capital. Capital that can then be used to fund growth, reduce monthly debt payments, make acquisitions or purchase real estate. We’re committed to partnering with small and medium sized businesses who are often overlooked by most retail banks. 

Business Capital Products

Access to term loans and lines of credit to help fund expansion or pay off debts.

Commercial Real Estate Products

Access to loans for the purchase of new properties or to finance improvements/renovations of existing owned properties.

Residential Real Estate Products

Access to specialized short-term bridge loan products for 1-4 family residential properties and multi-family buildings.

Get The Funding You Need With An Advisor You Can Trust

SJ Commercial Capital has the ability to arrange a variety of financing options to grow your business and improve cash flow. As your financial partner, we will work to understand your specific situation and guide you into the lending product that best suits your needs

Term Loans

  • Loan terms up to 7-10 years
  • New business acquisitions
  • Refinancing of existing business debts
  • Exiting MCA or other high interest rate debts
  • Acquiring inventory, machinery or equipment
  • Equipment Leasing
  • SBA term loans

Lines of Credit

  • Working capital/fund ongoing business operations
  • Accounts receivable financing
  • Inventory financing 
  • Other general business purposes
  • SBA lines of credit

Commercial Real Estate

  • New Purchase Financing on existing buildings
  • Land and Construction Financing for new builds
  • Short-Term Bridge Loans
  • Owner-Occupied & Investment/Non-Owner Occupied properties
  • Property Types: Retail, Industrial, Mixed-Use, Multi-Unit residential, Hotels, Shopping Centers, Catering & Banquet Halls

Residential Real Estate

  • Fix & Flip renovations
  • Acquisition
  • Short-Term Bridge Loans
  • Cash-out refinance
  • Value-add rehab projects

Why Choose Us

Expert Lenders

Our team consists of expert and experienced lending specialists trusted by many commercial businesses.

Fast Turnaround Times

Our specialists are committed to quickly evaluating your financing request and deliver approval terms considerably faster than a traditional bank.

Custom Solutions

Our business loans and lending solutions are tailored to your needs and requirements.

Successful Transactions in 2022

$6 million Line of Credit

This credit line facility was provided to a $35 million annual revenue distributor of Personal Protective Equipment (“PPE”) products to the medical industry to fund working capital.

$4 million total financing

$2M term loan & $2M line of credit were provided to a $13 million annual revenue contractor to repay new debts and fund working capital.

$2.5 million total financing

$1.5 million Term Loan & $1 million Line of Credit  were provided to an $8 million annual revenue owner and operator of multiple routes for a major global shipping company to repay existing debts and fund working capital.

$2.3 million total financing

$1.3M Term Loan & $1M Line of Credit were provided to a $6 million annual revenue owner and operator of medical vein clinics with multiple locations to repay existing debts and fund working capital.