Commercial Financing, Simplified.
From ground-up construction to portfolio expansion, the JD Agban Group offers a full spectrum of commercial loan products and flexible underwriting for your next investment.
Why choose
JD Agban Group for Commercial Deals?
Investor Speed & Expertise
We have access to every type of loan, guaranteeing we find the perfect fit for your situation, not just the one loan our bank offers.
Unconventional Underwriting
We specialize in financing deals that traditional banks reject, focusing on the asset's strength and viability over personal tax returns or minimal credit scores.
Global Capital Access
We offer unique solutions for Foreign Nationals and international investment, opening up US commercial markets to global capital and investors.
Solutions for unconventional income documentation, borrowers with credit challenges, and long-term stability.
- No Income Verify
- 40-Year Fixed
- No Min Score
- Recent Bankruptcy Business
- Secondary Finance
Capital for construction projects, land acquisition, and maximizing leverage on your investments.
- Land / Construction
- 90% Financing
- JV / Construction
Financing for unique property types, portfolio acquisitions, and international investors.
- Property Variety
- REO Portfolio
- Comm Condo / Co-op
- Foreign National / International
Flexible Financing & Credit Solutions
Solutions for unconventional income documentation, borrowers with credit challenges, and long-term stability.
Capital for construction projects, land acquisition, and maximizing leverage on your investments.
Development & High Leverage
Financing for unique property types, portfolio acquisitions, and international investors.
Specialty & Non-Traditional Assets
The Commercial Capital You Need
Whether you're breaking ground on new construction, acquiring a distressed REO portfolio, or seeking non-traditional documentation, our commercial division is structured to deliver fast, flexible funding solutions. Explore our comprehensive suite of loan products designed for serious investors and developers.
Flexible Financing & Credit Solutions
Solutions for unconventional income documentation, borrowers with credit challenges, and long-term stability.
Conventional
The most popular and flexible mortgage. Best for borrowers with stable income and good credit seeking competitive rates.
FHA Loans
Perfect for first-time buyers or those with lower down payment funds. Government-backed to allow for smaller down payments and more flexible credit requirements.
VA Loans
A powerful benefit for U.S. Veterans and active service members. Offers 0% down payment and no private mortgage insurance (PMI).
USDA Loans
Designed for properties in eligible rural areas. Offers low-to-moderate income borrowers 0% down payment financing.
DPA (Down Payment Assistance)
For qualified buyers who need help covering closing costs or the down payment. We help you access local and state grants.
No Income Verify
Qualify based on the property's cash flow, not personal income. Ideal for sophisticated investors.
40-Year Fixed
Secure long-term, stable financing with extended amortization to maximize monthly cash flow.
No Min Score
Focus on the strength of the collateral and deal structure, not just personal credit history.
Development &
High Leverage
Capital for construction projects, land acquisition, and maximizing leverage on your investments.
Land
Construction
Integrated financing for acquiring land and funding the vertical construction phase.
90% Financing
High-leverage options for qualified projects to minimize investor capital outlay.
JV / Construction
Joint venture opportunities and structured financing for large-scale development deals.
Specialty & Non-Traditional Assets
Financing for unique property types, portfolio acquisitions, and international investors.
Loan Processing in 1, 2, 3, 4, 5-Done
A True Partner from Start to Finish. Your JD Agban Group broker simplifies complex lending into five predictable steps, guiding you through the entire process. We provide the licensed expertise and support needed to get your Residential, Commercial, or Business financing closed smoothly and with total confidence.
Initial Consultation
Meet with the client to understand their financial goals and review their current financial profile.
Application Review
Analyze submitted figures, verify accuracy, and identify the most suitable loan program based on their needs.
Loan Processing
Collect necessary documentation, conduct credit checks, and validate income, assets, employment, and other key financial details.
Underwriting and Closing
Facilitate the underwriting process and guide the client through final loan approval and closing.
Post-Closing Relationship Management
Conduct annual financial reviews to support evolving needs and maintain a long-term advisory relationship.
See What Our Customers Are Saying
“Fast Closing”
JD Agban closed our $800K time sensitive Bridge Loan in 14 days. Traditional lenders couldn't move fast enough, this team understands investor deadlines and velocity.
- Sarah L., Commercial Developer
— Jessica R., Westfield
“Fast and Efficient”
Traditional banks refused our self-employed tax returns. JD Agban structured a No Income Verify loan for our warehouse expansion based on lease income only. Fast, efficient, and exactly the commercial solution we needed.
- David K., Business Owner/Investor
— Tom M., Essex County
Everything You Need to Know
This section answers the most common questions our clients ask about the mortgage process, helping you feel prepared and confident before you even start the application.
What is the minimum down payment for a commercial loan?
Commercial down payments are highly flexible and typically range from 20% to 35%, depending heavily on the property type (e.g., owner-occupied vs. investment), the loan program (e.g., conventional vs. specialty bridge), and the borrower's financial strength. We prioritize finding high-leverage options when the deal merits it.
How fast can a commercial loan typically close?
Standard commercial loans typically close in 45 to 60 days. However, for time-sensitive transactions, our specialty programs like Hard Money or Private Bridge Loans can close in as little as 10 to 20 days, provided all due diligence and appraisals are completed quickly. Our speed is one of our core advantages.
Can I use a commercial loan to buy a property with tenants already in place?
Yes, absolutely. Many of our best commercial loans, including No Income Verify programs, qualify the property based on the existing rental income—specifically the Debt Service Coverage Ratio (DSCR). This makes acquiring stabilized, income-producing assets highly efficient and often easier to finance than owner-occupied properties.
