NLBS Commercial Real Estate Loans & Business Financing.

No, we do not charge upfront fees, and never have since our inception,, in 1990. We highly advise against paying anyone any upfront fees for financing.

Our fees are performance based and are due at closing: which shall come from your loan or financing proceeds.

Our fees vary depending upon the scope of service you would like for us to provide. The type of financing you need, the complexity of the transaction, the size of the loan etc. will all determine the amount of our fee. 

  Choosing the right financing depends on your goals, industry, and current financial situation. For example:

• Need quick cash flow? Consider Invoice Factoring.
• Expanding your business? Look into SBA Loans or Private Equity Financing.
• Need equipment? Explore Equipment Financing and Leasing.

Our experts are here to assess your needs and recommend the perfect solution.

  Invoice factoring allows you to sell your unpaid invoices to a lender in exchange for immediate cash. The lender collects payment directly from your customers when the invoices are due.

  Not at all. Most factoring companies maintain a professional approach when collecting payments, ensuring your customers' experience with your business remains positive.

•   SBA 7(a): Flexible loan for working      capital, real estate, or equipment.
• CDC/504: Focused on real estate or major equipment purchases with low, fixed rates.
• Express Loans: Faster approval for smaller funding needs.

 While SBA loans do require solid financials and documentation, our team simplifies the process by helping you prepare a strong application. 

 Private equity is ideal for businesses experiencing rapid growth, launching large-scale projects, or needing strategic partners to scale operations.

 With private equity, investors provide capital in exchange for ownership or equity, meaning you don’t need to repay a loan but share profits or decision-making.

• Lease:  Ideal if you need flexibility or want to upgrade equipment frequently.
• Buy:  Better for long-term use with      no plans to replace the equipment soon.

Yes! Many financing programs, including ours, offer options to finance both new and used equipment.

 Hard money loans are fast and focus on the value of your property, not your credit score. They’re great for time-sensitive projects like real estate flips or bridge financing.

Yes, hard money loans typically have higher interest rates due to the increased risk and short loan terms.

Bridge loans are designed for speed and can often be approved and funded within days, depending on the lender and the project.

  Yes, bridge loans can be used for both commercial and residential real estate, depending on the specific project.

  Commercial mortgages are specifically for business-related properties, such as office buildings or retail spaces. They often have shorter terms and higher interest rates than residential loans.

Yes, refinancing is an excellent option to lower your interest rate, extend your loan term, or free up capital for other projects.

A line of credit allows you to borrow up to a set limit as needed, only paying interest on the amount you use. It’s a flexible solution for managing short-term expenses.

Yes! Lines of credit are perfect for covering operational costs like payroll, inventory purchases, or seasonal expenses.

• Mezzanine Loans: Longer-term, higher cost, participation possible.
• Bridge Loans: Short-term, immediate funding, no equity component.

Loans typically range from $500,000 to $50 million, depending on the project scope, business size, and lender terms.

Most mezzanine financing deals take 30 to 90 days, depending on due diligence and complexity.

Yes, mezzanine financing is commonly used in real estate development to fill the gap between a project’s equity and senior debt. This makes it ideal for large commercial or mixed-use projects.

Unlike senior loans, mezzanine financing often does not require specific collateral. Instead, lenders rely on the borrower’s cash flow and business performance as a repayment source.

The USDA provides an eligibility map online where you can check if your property or project falls within designated rural areas. If you're unsure, our team at NLBS can assist you with determining eligibility.

Yes! Programs like the Business & Industry (B&I) Loan and Community Facilities Loan are specifically designed for businesses and public institutions to purchase or improve commercial properties in rural areas.

• For Businesses: Expanding operations, purchasing equipment, or upgrading facilities in rural areas.
• For Real Estate: Purchasing, building, or renovating rural properties.
• For Community Development: Funding essential public      facilities like water systems, healthcare centers, and schools.

…And No! USDA loans are not just for farmers. They are available to a variety of borrowers, including businesses, developers, and individuals looking to invest in rural communities.