Loan Amounts

$25,000 to $10,000,000

Interest Rates

8% to 12%

Max Loan-To-Value


Origination Fees

2% to 6%

Loan Terms

12 months to 180 months

Lien Position

  • 1st

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Commercial Property
  • Business

Property Types

  • Assisted Living Facility
  • Auto Repair
  • Bed and Breakfast
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Car Wash
  • Child Day Care
  • Club
  • Commercial Condominium
  • Commercial Land
  • Gas Station
  • Golf Course
  • Healthcare
  • Hotel
  • Industrial
  • Marina
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Night Club
  • Office
  • Parking Lot
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Residential Land
  • Storage Facility

Loan Types

    Specialty Loan Types

    • Residential Long-Term Rental
    • Partner Buyout
    • Foreclosure Bailout
    • Cannabis Use Properties

    Land Loan

    Land Types Considered

    • Multifamily Land
    • Office Land

    Will Consider Land That is NOT Entitled


    Max LTV for Land


    Max LTC for Land Acquisition


    Details and Requirements

    Typical Closing Time (Days)


    Fastest Closing Time (Days)


    Works With

    • Borrowers

    Payment Structure

    • Interest Only
    • Amortized
    • Interest Reserve

    Pre Payment Penalty


    Varies with each situation

    Will lend to a foreign national


    Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


    Will Consider Collateralizing Multiple Properties in One Loan


    Will Consider Equity Joint Venture


    Borrower Entity Types Considered

    • LLC
    • Limited Partnership
    • Corporation
    • Self-Directed IRA

    Documentation Required

    • Financial Statements
    • Loan Application

    Personal Guaranty (Recourse) Required


    Credit Check Required


    Appraisal Required for Commercial Property


    Broker Price Opinion (BPO) Accepted for Commercial Property



    We Mean Business

    We understand that a successful business needs a financial consultant who can help you grow to succeed. We take a comprehensive approach when working with your financing request that allows us to customize suitable terms aligned with your situation utilizing both traditional and alternative lending options.  Because we specialize in commercial lending, we already know the special  concerns that you have in finding the right lending option  – one that works for right now and that lets you grow. 

     Some of the solutions we provide are:

    Commercial Real Estate Lending

    – purchases, refinances, cash out

    Alternative Commercial Lending

    Private Money Equity Loans

    All Types of Investment Properties

    Hotels, Motels (Flagged & Unflagged)

    Multi-Family, Apartments, Condo Investments

    Shopping Centers, C-Stores, Churches, Raw Land

    Accounts Receivables

    Bridge Loans

    Equipment Loans

    Small Business Loans (with or w/o real estate)

    Business Lines of Credit

    Asset Based Lending

    Small Balance Commercial

    Merchant Cash Advances

    Liquor License Procurement & Funding (FL Only)

    Year Established



    • Secured Finance Network - Formerly Commercial Finance Association

    Primary Capital Source

    • Individual Investors

    Alternative Capital Sources

    • Individual Investors

    Loan Structure for Majority of Loans

    • One Investor One Loan

    Alternative Loan Structures

    • One Investor One Loan

    Company’s Other Business Activities Besides Private Mortgage Lending

    • Commercial Mortgage Brokerage
    • Business Finance
    • Commercial Real Estate Investing

    Percentage of Loans Secured by Commercial Property


    Robb Mercado


    Robb Mercado has over 25 years of experience in real estate lending with a specialty in providing commercial financing solutions for both conventional and alternative situations. He is the President of Alternative Lending & Investments Group, a Florida based firm, focusing on connecting all types of commercial projects with the most appropriate funding options. For additional information or to discuss a loan scenario, please call our office directly at: Phone: 646-504-4473

    Loan Request

    Short Description of your Loan Request or Property Address

    This information is about yourself, not the subject property.


    At the end of the form you can enter the additional properties.

    (temp use, storage, billboard, parking, etc.)


    If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


    (temp use, storage, billboard, parking, etc.)


    If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


    how will the loan be paid off?


    Add links to photos here.


    Add links to photos here.


    Add links to documents, photos, etc.