Welcome to Lloyd and Team Financial
Lloyd and Team Financial specializes in connecting businesses with the best financing solutions to meet their unique goals. With access to a vast network of commercial lenders, we guide business owners and commercial real estate investors through the complex process of securing loans tailored to their needs.
Whether you’re looking to finance a new property, expand your business, or refinance existing debt, we’ll help you navigate lending options, negotiate favorable terms, and ensure you secure the best possible rates. From SBA loans to commercial real estate and business financing, our expert brokers are here to streamline the process and help your business succeed. Contact us today to explore your options and find out how we can assist you in achieving your business goals.
Options and Solutions
Gain access to the capital you need to move forward with your project profitably.
Tell us your story.
Whether you are a first time investor or have a large portfolio, having a mortgage team you can count on is crucial.
We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Frequently Asked Questions
Hard money loans, unlike traditional bank loans, hinge on the property’s value used as collateral, rather than solely on your financial status. Although these loans often come with higher interest rates, they hold significant appeal for real estate investors. This is because they boast faster closing times, offer flexible terms, and can be repaid swiftly to minimize expenses, thereby facilitating quicker business expansion.
Below are some additional advantages associated with hard money loans:
Swift Access to Capital: Hard money loans provide quick access to capital, enabling investors to seize opportunities promptly.
Flexible Terms: These loans come with a range of repayment schedules and durations, allowing borrowers to tailor the terms to their specific needs.
High Loan-to-Value (LTV) Ratio: Depending on the property’s value and renovation budget, hard money loans can finance up to 90% of the project, providing substantial funding.
Potential for Enhanced Benefits: Building a relationship with the same lender may lead to additional advantages, such as reduced origination fees and interest rates, making it even more attractive for long-term investors.”
Appraisals vary on your financing needs. We do not require appraisals on bridge loans, but we do require them for rental loans.
We provide short term financing, bridge loans, and rental property loans.
Fix & Flip Programs can close in as little as 7 days. Permanent loan programs can take as few as 15 days and up to 45 days. For an accurate timeline based on your specific needs contact us directly.
Still Have Questions?
If you can’t find an answer to your question in the FAQ’s below, you can always contact us and we’ll respond asap.
