Commercial Real Estate Loans with GoKapital

Navigating the world of commercial real estate loans can be daunting, but finding the right lender can make all the difference.

Enter GoKapital, a leading name in the commercial real estate lending space.

Known for its fast approvals and flexible terms, GoKapital offers a range of services tailored to meet the diverse needs of business owners and investors.

GoKapital’s mission is to facilitate access to capital for business owners and real estate investors looking for an easy funding process.

They offer a variety of commercial mortgages with loan amounts starting at $150,000 up to $50,000,000, fixed-interest rates starting as low as 6%, and terms from 1 to 30 years. 

Whether you’re looking to purchase, refinance, or expand your commercial property portfolio,…

…GoKapital’s expertise and customer-centric approach ensure you get the financial support you need, when you need it.

Discover how GoKapital can be your trusted partner in achieving your commercial real estate goals.

What is GoKapital?

GoKapital is a prominent player in the commercial real estate lending industry.

With a reputation for fast approvals and flexible terms,…

…GoKapital has become a go-to lender for business owners and investors looking to finance their commercial property ventures.

Let’s dive into the company’s background and core services to understand what makes GoKapital stand out.

Company Background

GoKapital was founded with the mission to provide accessible and efficient financing solutions to businesses of all sizes.

Over the years, the company has grown significantly, establishing itself as a trusted name in the industry.

• Founding and Growth: GoKapital was established in 2013, aiming to fill the gap in the market for quick and flexible commercial real estate loans. Since its inception, the company has expanded its services and reach, helping thousands of businesses secure the funding they need.
• Reputation: GoKapital is known for its customer-centric approach, offering personalized service and support throughout the loan process. The company has received positive reviews for its transparency, speed, and flexibility, making it a preferred choice for many.

Core Services

GoKapital offers a range of services tailored to meet the diverse needs of its clients.

One of the company’s focus is on commercial real estate loans, but it also provides other financial solutions.

• Commercial Real Estate Loans: GoKapital specializes in providing loans for purchasing, refinancing, and expanding commercial properties. These loans come with competitive rates and flexible terms, making them accessible to a wide range of borrowers.
• Other Financial Services: In addition to commercial real estate loans, GoKapital offers business loans, equipment financing, and merchant cash advances. These services are designed to help businesses manage their cash flow and invest in growth opportunities.

GoKapital’s commitment to providing fast and flexible financing solutions has made it a leader in the commercial real estate lending space.

Whether you’re looking to purchase a new property or refinance an existing one, GoKapital has the expertise and resources to help you achieve your goals.

Read the full GoKapital review, to learn more about them.

Types of Commercial Real Estate Loans Offered by GoKapital

GoKapital offers a variety of commercial real estate loan options designed to meet the diverse needs of business owners and investors.

Whether you’re looking to purchase, renovate, or refinance a property, GoKapital has you covered with their flexible and customized loan products.

Fix and Flip Loans – Hard Money Loans

Are you a real estate investor that flips properties? GoKapital offers quick closings, high LTVs, and rehab funds to help you complete repairs.

With LTVs of up to 80% and up to 100% of rehab funds provided, GoKapital can be a great source for funding your fix and flip deals.

Their loan amounts range from $150,000 to $50,000,000, with terms from 6 to 14 months, and rates of 7% to 14%.

These loans are offered to either purchase property, or as a cashout refinance for any properties you may already own.

Hard Money Loans

Hard money loans are asset-based loans that rely on the value of the property rather than the borrower’s credit history.

These loans are typically used for investments that require quick funding, such as fix-and-flip projects.

GoKapital specializes in providing hard money loans with minimal documentation, making the approval process fast and straightforward.

• Short-Term Financing: Ideal for real estate investors needing immediate funding.
• Asset-Based: Based on property value, not credit score.
• Quick Approvals: Minimal paperwork required for faster processing.

Explore more about hard money loans and their benefits.

Private Commercial Property Loan

GoKapital’s offers Long-term fixed-interest commercial mortgage loans to real estate investors or business owners who wish to close quickly.

The loan could be secured by practically all types of commercial property, including: retail, restaurants, warehouses, office space, land, mixed-used, duplexes, multi-family units, and more.

Jumbo Loans For Investment Properties

Looking to make an investment in properties above $5MM?

With GoKapital, you can get funded for a jumbo loan quickly and easily with minimal documentation.

They make closing easier for those larger transactions. Contact them today.

Their jumbo loans for commercial properties are available in all 50 states.

Rental Investment Property Loan

Many real estate investors choose to purchase multiple properties, and generate a steady stream of monthly rental income.

If this sounds like your real estate investment strategy, contact GoKapital to inquire about their rental investment property loans.

These types of loans go up to 30 years, with competitive rates starting at 6%, and LTVs of up to 80%.

A minimum credit score of 620 is required. 

Cash out refinance – If you already own property with sufficient equity

GoKapital can offer you a cashout refinance to help you obtain additional funds.

All credit scores are accepted, and closings can take place in as fast as 2 weeks.

Practically all investment and commercial property types are accepted, and they can offer an LTV of up to 80% of the market value..

Vacant Land Loans

Obtaining financing with vacant land as collateral can be difficult, as many lenders won’t work with this property type.

Fortunately, GoKapital’s real estate financing programs include vacant land loans in all 50 states.

Their LTVs are typically capped at 50% for this property type, and they can either finance a purchase or they can offer a cashout refinance using the equity of the property.

Construction Loans

For those planning to build or renovate commercial properties, GoKapital offers construction loans tailored to the unique needs of each project.

These loans provide the necessary funds to cover construction costs, from the ground up, ensuring your project is completed on time and within budget.

• Customizable: Tailored loan options to fit specific construction needs.
• Comprehensive: Covers all stages of construction, from start to finish.
• Supportive: GoKapital works closely with builders to ensure a smooth financing process.

Learn more about construction loans for your project.

Bridge Loans

 Photo by Aleksejs Bergmanis

Bridge loans are temporary loans designed to bridge the gap between buying a new property and selling an existing one.

These loans are perfect for investors who need to act fast to seize a property opportunity.

Through GoKapital, bridge loans come with flexible terms and competitive interest rates, allowing you to secure funding with ease.

• Temporary Financing: Covers the period between buying a new property and selling an old one.
• Fast Funding: Quick loan processing to seize opportunities.
• Flexible Terms: Customizable to suit individual needs.

Find out more about bridge loans and how they can help.

Permanent Loans

If you’re looking for long-term financing for your commercial real estate, permanent loans are the way to go.

GoKapital provides permanent loans with stable interest rates and extended terms, making them ideal for businesses wanting to invest in long-term property ownership.

• Long-Term: Extended loan terms for lasting investments.
• Fixed Rates: Stable interest rates throughout the loan term.
• Predictable Payments: Consistent monthly payments for better financial planning.

Discover more about permanent loans and their advantages.

GoKapital’s diverse loan offerings ensure that no matter your commercial real estate needs, there’s a solution that fits.

Each loan type is designed to support different aspects of real estate investment and development,…

…providing you with the financial tools needed to achieve your business goals.

How to Apply for a Commercial Real Estate Loan with GoKapital

 Photo by Olga Lioncat

Applying for a commercial real estate loan with GoKapital can seem intimidating, but it doesn’t have to be.

With clear eligibility requirements, a straightforward application process, and an organized list of required documents, you can navigate the process with confidence.

Here’s everything you need to know.

Eligibility Requirements

Before applying for a commercial real estate loan with GoKapital, it’s important to know if you meet the basic eligibility criteria.

GoKapital has set requirements to ensure that the process is smooth and efficient for both parties.

• Minimum Credit Score: Some loan types do not require a minimum credit score. But GoKapital requires a minimum credit score for certain types of loan approvals. While the exact number can vary, having a higher credit score is better.
• Business Financials: You’ll need to provide financial statements for your business. This includes balance sheets, income statements, and cash flow statements.
• Property Type: The property must be commercial in nature. This includes office buildings, retail spaces, warehouses, and multi-family housing units.
• Experience: For certain types of loans, like construction loans, you may need to demonstrate prior experience in real estate projects.

Find more detailed information about GoKapital’s qualification criteria.

Application Steps

Getting started with GoKapital’s application process is straightforward.

Here are the steps you’ll follow, from initial consultation to final approval:

For a more detailed guide on how to apply, check out GoKapital’s application process.

Applying with GoKapital is as easy as 1, 2, 3…

1.

The first thing you need to do is complete an online application form.

You can also apply over the phone or fax the application.

They can approve within 1 to 3 business days.

2.

One of GoKapital’s representatives will get in touch and will work with you on getting the best loan amount, interest, and terms.

3

GoKapital will gather all the documentation needed and move to the underwriting process. Closing takes around 1 to 3 weeks.

…It’s that easy!

The GoKapital Application Process

1. Initial Consultation: Click here to set up a consultation with a GoKapital loan officer. They will discuss your financial needs and help determine the best loan product for you.
2. Pre-Qualification: Provide some basic information to get pre-qualified. This includes your credit score, business financials, and details about the commercial property.
3. Submit Application: Fill out and submit the formal loan application. This can usually be done online for convenience.
4. Documentation Review: Once your application is submitted, the GoKapital team will review all provided documents. This step ensures everything is in order.
5. Approval and Funding: If your application is approved, you will receive the loan agreement. Upon signing, the funds will be disbursed to your account.

Documents Needed

Having the correct documents ready is crucial for a smooth loan application process.

Here’s a list of the typical documents you’ll need to submit:

• Business Financial Statements: Balance sheets, income statements, and cash flow statements for the last three years.
• Personal Financial Statements: If you own more than 25% of the business, you’ll need to provide personal financial statements.
• Tax Returns: Business and personal tax returns for at least the past two years.
• Property Information: Details about the commercial property, including appraisal reports and a purchase agreement if you’re buying.
• Credit Reports: Recent credit reports for both the business and the individual owners.
• Loan Application Form: Complete the specific loan application form provided by GoKapital.

For an exhaustive list of required documents, you can refer to GoKapital’s loan application documentation.

By following these steps and having your documents organized, applying for a commercial real estate loan through GoKapital can be a straightforward and stress-free process.

Stay prepared, and you’ll be one step closer to securing the financing you need for your commercial property.

Success Stories and Testimonials

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GoKapital has been a transformative partner for many businesses, providing the financial resources they need to thrive.

Here are some success stories and testimonials from clients who have experienced firsthand the benefits of working with GoKapital.

Client Testimonials

Clients frequently share their positive experiences with GoKapital, highlighting the company’s role in their success.

These testimonials offer valuable insights and build trust in GoKapital’s services.

• “Quick and Efficient Loans”: “I was in a bind and needed financing fast. GoKapital came through with a loan that was processed quicker than I ever imagined. Their team was professional and focused on meeting my needs.” – John D., Small Business Owner.
• “Flexible Terms That Fit My Business”: “The flexibility of GoKapital’s loan terms was a game-changer for us. We were able to manage our cash flow without stress and focus on growing our business.” – Sarah L., Retail Store Owner.
• “Excellent Customer Service”: “GoKapital’s customer service is top-notch. From the initial consultation to the final approval, the process was seamless. The staff is knowledgeable and always ready to help.” – Mark S., Real Estate Investor.

For more reviews, check out GoKapital on Trustpilot.

 Photo by Jopwell

Case Studies

GoKapital’s impact is evident through detailed case studies that showcase how their loans have driven business success.

Below are examples of how GoKapital’s financial solutions have made a significant difference.

Case Study: Expanding a Local Restaurant

A local restaurant chain wanted to open a new location but faced difficulties securing traditional financing.

GoKapital provided a commercial real estate loan with flexible terms, allowing the restaurant to expand without financial strain.

The new location now generates a substantial portion of their revenue, and the owners credit GoKapital for their growth.

• Challenge: Lack of traditional financing options.
• Solution: GoKapital’s flexible commercial real estate loan.
• Outcome: Successful opening of a new revenue-generating location.

Read more about GoKapital’s role in business financing.

Case Study: Real Estate Development

A real estate developer needed quick funding to seize an investment opportunity.

GoKapital provided a hard money loan with minimal documentation, enabling the developer to purchase and renovate a property quickly.

The renovated property was sold for a significant profit, and the developer now uses GoKapital for all their financing needs.

• Challenge: Need for quick funding.
• Solution: GoKapital’s hard money loan.
• Outcome: Successful purchase, renovation, and profitable sale of the property.

Learn more about GoKapital’s financial solutions.

 Photo by Viktor Bystrov

These testimonials and case studies illustrate GoKapital’s commitment to helping businesses achieve their goals.

Whether it’s through fast approvals, flexible terms, or excellent customer service, GoKapital continues to empower business owners and investors in their commercial real estate ventures.

Wrapping It Up

GoKapital stands out as a premier lender in the commercial real estate sector, offering fast approvals, flexible terms, and a customer-centric approach.

Their diverse loan options, including hard money, bridge, construction, and permanent loans,,…

…cater to various business needs, ensuring that every client finds a suitable financial solution.

The streamlined application process, clear eligibility requirements, and supportive customer service make securing a loan with GoKapital straightforward and stress-free.

With numerous success stories and positive testimonials,…

…GoKapital proves to be a reliable partner for business owners and investors looking to achieve their commercial real estate goals.

Choose GoKapital for your next commercial real estate venture and experience the difference that expertise and dedication can make.

If you have any questions let me know in the comments section.

Cheers!

FAQ

What is the current interest rate for commercial mortgages? GoKapital’s interest rates range between 6% and 14%. That said, your final interest rate will be calculated based on the strength of the whole application (property type, location, credit score, real estate investment experience, etc.). Apply and they will give you a free no-obligation quote.

What are the requirements for a commercial real estate loan? To apply for any of GoKapital’s real estate loan and commercial mortgage products, loan requests must meet 2 basic requirements: 1) the property must be commercial or a non-owner occupied residential property (only investment properties, no primary homes), 2) the property value must be at least $150,000.

What Documents are needed for a commercial loan? They will need at least 4 months of bank statements showing capacity of repayment, a recent copy of your credit score, a purchase agreement (if a purchase) or a recent mortgage statement if a refinance, and an appraisal (if available).

How much do I need as a down payment for a commercial real estate loan? 20% to 40% down in most cases.

What are the types of commercial real estate loans that GoKapital offers? Private commercial property loans, commercial real estate loans, hard money loans, fix and flip loans, bridge loans, cash-out refinance loans, investment and rental property loans.

How can I get a term sheet or letter of intent (LOI) ?

GoKapital will need the following documents to provide you an offer: 1003 Application, copy of a sales agreement or recent mortgage statement (For Re-Financing), a recent copy of your credit report (all pages), 3 months of business, or personal bank statements.

Once received they will provide you with a term sheet in 2 to 3 days, in some cases could be the same day.

Where is GoKapital located? Their main offices are located in Miami, Florida.

Where does GoKapital lend? They lend all across the United States for commercial properties.

VISIT – Manufacturing Equipment Financing: Unlock Growth With GoKapital.