Commercial Loan Experts
Get pre-qualified in about 5 minutes
Tell us about your deal and a specialist will come back with your options. We finance the property, not your tax returns — so the paperwork is minimal and the answer is fast.
- Qualify on the property’s cash flow — no personal tax returns or W-2s
- Considered from a 500 FICO · business-purpose investment & commercial property
- Up to 75% LTV · loans from $75K to $50MM
- A real answer fast — most files close in under 3 weeks
Prefer to talk? Call (855) 848-2862 — real people, no phone tree.
Start your application
A few details and we’ll get right back to you.
Submitting this form places you under no obligation. Your information is kept confidential and used solely to respond to your inquiry. A specialist will be in touch shortly, or call (855) 848-2862 for immediate assistance.
A faster, lower-friction path to funding your next deal
Traditional lenders were built for W-2 homebuyers, not real-estate investors. New City Financial is the opposite: business-purpose, property-first, and fast. Here’s what that means for your application.
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) rather than your personal income. No tax returns, no W-2s, no employment verification — which is exactly why investors with strong properties but complex personal finances choose us.
A 500 FICO doesn’t end the conversation
Most lenders draw the line at a 620–680 credit score. We consider files from a 500 FICO, because a cash-flowing, business-purpose property carries the loan. First-time investors are welcome.
Built for speed and repeatability
Minimal paperwork and investor-focused underwriting mean most deals close in under three weeks. When you’re competing for a deal or scaling a portfolio, that speed is the difference between winning and waiting.
Seven programs, one short application
DSCR, DSCR refinance, cash-out refinance, multi-family & apartment, fix & flip, ARV, and foreign-investor loans — all from the same quick form. Tell us the property and we’ll match it to the right program.
From application to funded in three steps
Tell us about the property
Complete the short form below or call us. It takes about five minutes, and checking your rate is a soft inquiry that won’t affect your credit score. There’s no obligation and your information is never shared or sold.
Get a real answer — often in minutes
We underwrite the property’s rental income and business purpose, not your personal tax returns. A specialist reviews your file and comes back with a straight answer and a rate range — frequently within minutes of your submission.
Close in under 3 weeks
Once you’re comfortable with the terms, we move to appraisal and documentation and fund the deal — typically in under three weeks. Then you do it again on the next property. That repeatable speed is why investors build portfolios with us.
One application, the right program
Not sure which loan fits? You don’t need to — just start the form and we’ll route you. But if you want to read up first, here’s where each program shines.
See your number before you commit to anything
Getting pre-qualified costs nothing and obligates you to nothing. Checking your rate is a soft inquiry — it won’t touch your credit score. We don’t sell or share your information, and you’ll speak with a real specialist, not a call center.
If the numbers work, we move fast. If they don’t, we’ll tell you honestly and point you in the right direction. Either way, you leave with clarity.
Get my rateRated 4.9 across 174 Google reviews
“We're a small investment company, and NCF is by far the most reliable lender we've worked with.”
“They secured the financing I needed within a month — reliable, professional, and responsive.”
“I needed capital quick, and they were exactly what I needed. Fast and efficient process.”
Application questions, answered
Is applying a hard credit pull?
No. Getting your rate is a soft inquiry that does not affect your credit score, and there is no obligation to proceed. If you decide to move forward, a full credit review happens later, with your consent.
How long does it take, and what happens next?
The first step takes about five minutes. A New City Financial specialist reviews your file and follows up — often within minutes — with a straight answer and a rate range. If it’s a fit, we walk you through the remaining documents and move to appraisal and closing, typically in under three weeks.
What documents will I need?
Far fewer than a bank. Because we underwrite the property’s income, we do not require personal tax returns or W-2s. Expect to share basic property details, a rent roll or lease (for existing rentals), bank statements, and entity documents if you’re borrowing through an LLC.
What credit score and down payment do I need?
Credit is considered from a 500 FICO. Because our standard loan-to-value is up to 75%, you’ll typically bring 25% or more as equity. Stronger credit and cash flow generally earn better pricing.
What property types and states qualify?
Business-purpose investment and commercial property across 40+ states — single-family rentals, 1–4 unit, multifamily, mixed-use, office, retail, industrial, and more. Owner-occupied commercial space is eligible; primary residences are not.
Is there any cost to apply?
No. There is no cost or obligation to get pre-qualified, and your information is never shared or sold. You only incur third-party costs (like an appraisal) if you choose to move forward.
Ready to get your number?
Five minutes now can save weeks later. Start your application and a New City Financial specialist will follow up with your options — up to 75% LTV, $75K–$50MM, from a 500 FICO, closing in under 3 weeks.
Business-purpose loans only; not available for primary residences. Response within minutes; no obligation; your information is never shared. Checking your rate is a soft inquiry and won’t affect your credit score. Illustrative terms are not a commitment to lend and are subject to underwriting.