Financing done fast, guided by strategy, built on transparency.

$400M+

Overall Funded

Built for Certainty.
Backed by Experience.

Telos Commercial Capital is a privately-held finance company providing creative, affordable lending solutions with speed, and transparency. We serve real estate investors and business owners who need funding without the friction of traditional banks.

With deep expertise in finance, real estate, and private lending, our team structures deals that work — fast, clear, and built to close.

Backed by Committed Funding

We're a direct lender. That means no fundraising delays, just fast, reliable funding.

Fast, Clear Decisions

We handle your deal hands-on. You get a direct line of communication, quick reviews, and straightforward feedback throughout the process.

Flexible Terms that Work

Need a short-term bridge or a longer runway? We tailor terms to your needs.

Loan Programs

Private Lending

Overview:
Flexible short-term financing designed to help real estate investors close quickly while transitioning between properties or awaiting long-term financing.
Uses:
- Purchase or refinance investment property
- Bridge the gap between acquisition and permanent financing
- Short-term liquidity for time-sensitive opportunities
Basic Qualifications:
- Leverage: LTV up to 70%
- Property types: 1-4 Single-family Residence, Townhome, Condos, Multifamily, Industrial, Medical Office, Mix use. Specialty use on case-by-case basis
- Loan amounts: $100K – $50MM
- Credit score: 650+ (case-by-case under 650)
- Payment: Interest-only (Interest reserve available)
- Term: 12 – 36 months
- 2nd TD loans available on case-by-cases basis.
Overview:

Tailored for real estate investors looking to purchase, renovate, and resell properties for profit — with flexible funding for acquisition and rehab costs.
Uses:
- Acquire distressed or undervalued properties
- Fund renovation or rehab expenses
- Bridge capital between purchase and resale
Basic Qualifications:
- Leverage: LTC up to 90%, LTV up to 75%, and up to 100% of rehab funds
- Property types: Single-family residence, townhome, condos
- Loan amounts: $100K – $20MM
- Credit score: 650+
- Payment: Interest-only
- Term: 12 – 24 months
Overview:

Comprehensive financing for developers building new residential, Multifamily or mixed-use projects from the ground up — from land acquisition through completion.
Uses:
- Ground-up residential construction
- Spec homes and developments
Basic Qualifications:
- Leverage: LTC up to 85%, LTV up to 75%, and up to 100% of construction funds
- Property types: Single-family residence, townhome, condos
- Loan amounts: $100K – $20MM
- Credit score: 650+
- Payment: Interest-only
- Term: 12 – 24 months
Overview:

A single-family DSCR loan offers a simple, income-documentation-free way for investors to finance single-family rentals (SFRs), townhomes, condos, and 2–4 unit properties. The loan is based on the property’s rental performance — not personal income — giving investors flexible terms and an easier path to expand or refinance their rental portfolio.
Uses:
- Purchase or refinance single-family rental properties
- Grow or leverage an existing rental portfolio
- Cash-out refinancing for improvements or reinvestment
- Stabilize newly renovated or recently leased rentals
Basic Qualifications:
- Loan Amounts: $75K – $3MM
- Minimum Credit Score: 650
- Minimum DSCR: 0.80x
- Leverage: Up to 80% LTV for purchases and rate-term refinances; Up to 70% LTV for cash-out refinances
- Payment Options: Interest-only available for up to 10 years
- Terms: 30-year fixed or ARM options (1, 2, 3, 5, or 7-year structures)
Overview:

A long-term financing option for real estate investors purchasing or refinancing income-producing multifamily properties (5–10 units). This program underwrites primarily to the property’s rental cash flow using the Debt Service Coverage Ratio (DSCR) rather than personal income, making it ideal for investors focused on scalable portfolios.
Uses:
- Purchase or refinance multifamily rental properties
- Expand or leverage an existing rental portfolio
- Cash-out refinancing for improvements or reinvestment
- Stabilize recently renovated or newly leased buildings
Basic Qualifications:
- Leverage: Up to 75% LTV for purchases and rate-term refinances; Up to 70% LTV for cash-out refinances
- Property Types: Multifamily properties 5+ units, Mixed-use considered case-by-case
- Loan Amounts: $500K – $5MM (cross-collateralization available)
- Credit Score: 650+
- Payment Options: Interest-only available for up to 10 years
- Terms: 30-year fixed or adjustable-rate structures

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Commercial Lending

Overview:
The most flexible SBA program for small to mid-sized businesses.
Uses:

Business acquisition, partner buyout, refinancing, working capital, or owner-occupied real estate.
Basic Qualifications:
- U.S.-based, for-profit business
- Good credit history (typically 650+ FICO)
- Strong cash flow to support debt service
- Business and personal guarantees required
- Loan amounts up to $5 million
Overview:
Designed for owner-occupied commercial real estate and large equipment purchases.
Uses:
Purchase, construction, or refinance of owner-occupied properties.
Basic Qualifications:
- Owner-occupied (business must occupy at least 51% of the property)
- Net worth under $20 million and after-tax income under $6.5 million
- Strong historical or projected cash flow
- Down payment typically 10–15%
- Loan amounts up to $15 million (total project)
Overview:
A simplified, faster SBA 7(a) loan for smaller financing needs.
Uses:
Working capital, equipment, inventory, or short-term expansion.
Basic Qualifications:
- U.S.-based business in operation for at least 2 years (startups considered with strong guarantor)
- Credit score typically 650+
- Loan amounts up to $500,000
- Streamlined documentation and faster decision times (5–10 business days)
Overview:
A conventional commercial loan provides traditional financing for established businesses and investors. All property types are considered, with an emphasis on stabilized assets that show strong financial performance. This option works well for borrowers seeking long-term, relationship-driven lending.
Uses:
- Purchase stabilized commercial real estate
- Refinance existing commercial loans
- Cash-out refinancing for reinvestment or capital needs
Basic Qualifications:
- Property Requirements: Must be stabilized with positive cash flow; Typically requires a minimum DSCR of 1.20x–1.35x
- Leverage: Loan-to-Value (LTV) typically up to 65%
- Borrower Profile: Strong credit, liquidity, and financial history
- Additional Options: Non-recourse financing available depending on lender and asset type
Overview:
Long-term financing for businesses in rural and semi-rural areas.
Uses:
Purchase, construction, expansion, equipment, or working capital.
Basic Qualifications:
- Business must be located in an eligible rural area (population <50,000)
- Strong repayment ability and management experience
- Adequate collateral and personal guarantees
- Loan amounts up to $25 million
- Minimum 10% equity injection
Overview:
Short-term financing for ground-up builds or major property improvements.
Uses:
Ground-up construction, tenant improvements, or extensive renovations.
Basic Qualifications:
- Experienced developer or contractor preferred
- Permits, plans, and budgets must be in place
- LTC typically 65–75%
- Interest-only during construction
- Exit strategy required (sale or permanent loan take-out)
Overview:
Preserve cash flow by financing new or used business equipment.
Uses:
Machinery, vehicles, technology, or production tools.
Basic Qualifications:
- Equipment must have identifiable resale value
- Business in operation at least 1 year (startup exceptions possible)
- Credit score typically 625+
- Advance rates up to 100% of equipment cost
- Terms 3–7 years
Overview:
Fast working capital based on future receivables or credit card sales.
Uses:
Short-term operating expenses, payroll, or urgent cash needs.
Basic Qualifications:
- Minimum 6 months in business
- Consistent monthly revenue ($10K+ typical minimum)
- Daily or weekly repayment from future receivables
- No collateral required
- Fast funding — often within 24–72 hours