Total Loan Solutions
Sun Valley, California
Direct SBA Lender for Small Business Owners Nationwide
Specializing in SBA 7(a) loans secured by business assets and commercial real estate.
Our team is comprised of industry leaders with a combined 100 years of experience in banking and lending. We’re a full-service, independent commercial bank with nationwide SBA lending capability. Our business model is relationship driven and focused on providing a total solution to loan sourcing, funding, SBA outsourcing and consulting.
OUR COMPETITIVE ADVANTAGE
- Personalized Approach to Deal and Client Management
- Deal Structure Flexibility
- Efficient Execution
- Flexible Loan Pricing
- Reasonable Credit Box
- Competitive Referral Fees for Brokers
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Lien Position
SBA 7(a) Loan Program
USE OF PROCEEDS
- Business Acquisition
- Business Expansions
- Start-up Financing
- Partner Buyouts
REQUIREMENTS
Credit decision based on quantitative and qualitative factors.
- Experience: 3-5 Years preferred
- Cash Flow: Minimum DSCR of 1.15x. Projections based financing available
- Credit: 700+ FICO with no major credit issues
- Injection: Business acquisitions 10% to 25%; 100% Financing on purchase of real estate
- Collateral: Must meet SBA guidelines; LTV of 100%+ available
- Personal Net Worth: No set requirements but typically greater than 30% of loan request
- Liquidity: Greater than 6+ months of payments
- Outside Income: No requirement but considered in global cash flow analysis.
Property Types
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Car Wash
- Child Day Care
- Community Center
- Event Center
- Gas Station
- Gym
- Healthcare
- Hospital
- Hostel
- Hotel
- Industrial
- Marina
- Mixed-Use
- Motel
- Office
- Parking Lot
- Retail
- School
- Sports Facility
- Storage Facility
- Winery
Agribusiness Types
- Cattle Ranch
- Citrus Grove
- Corn
- Cotton
- Dairy
- Equestrian
- Melons
- Peach
- Peanuts
- Potatoes
- Poultry
- Row Crops
- Swine
- Tree Nuts
- Vegetables
Fees which are mandatory for all new borrower clients
- Legal Fee
- Appraisal Fee
- Inspection Fee
- Title Fee
- Credit Report Fee
- Exit Fee
- Environmental Report Fee
- Renovation or Construction Funds Draw Fee
- Other Fee
Contact Total Loan Solutions
Stay Informed About Private Lending
Total Loan Solutions is the nation’s premier lender offering expansive financing solutions as well as loan opportunities in commercial real estate, multifamily, and SBA. Our team of experienced, industry leaders provide you exception service in financing options from sub $1 million to large balance portfolios, with competitive rates and terms.
Office Locations
Total Loan Solutions9116 Sunland Blvd , Sun Valley, California 91352
Our Team
Dina Kroshkin
SVP, National Production Manager
Contact Total Loan Solutions
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Total Loan Solutions by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$500,000
What We Do
- SBA 7(a) Loans Nationwide
- Owner-User Commercial Property
Not Available
- NO Cannabis-Use Properties
- NO Residential Investment Property