Our Mission
With over 30 years of experience in lending and investor relations you'll have the peace of mind and security of having access to high-end capital from a diverse selection of funding sources in a reliable, less stressful process with a personalized service uncommon in the industry.
Through our lending platform we help investors, businesses and developers get the capital they need. Any size and stage.
We offer commercial real estate loans, land purchases, residential loans for investment properties, and owner occupied for business purposes. We can help facilitate up to $300,000,000 projects.
We have access to all types of business loans including 100% SBA financing.
We do the hard work and due diligence to find you the best option so you don’t have to. This allows you to focus on your day-to-day operations and goals without distractions and disruptions and allows you to do what you do best.
Partner with us. Let us help you realize your vision. Contact us today to get started.
Sky Hi Funding Corp
Portfolio Investor
Portfolio Loans
- Eligible Residential Properties (Non-Owner-Occupied): SFR, Condo, Townhouse, and Land
- Loan amount of $250,000-$50,000,000 - Up to 75% to 80%: based on client's experience, credit/liquidity, project risks and profitability.
- Eligible Commercial Properties: Multi-family, Warehouse, Office, Restaurant, Mixed Use, Retail, Industrial, Storage and Land
- Loan amount of $500,000-$300,000,000 - Up to 80% LTV: based on client's experience, credit/liquidity, project risks and profitability.
- Construction loans available for Residential and Commercial projects
- Sponsor median FICO 700+ may consider lower scores
- 5- or 10-year term, 30-year amortization. Bridge short term loans available.
- Nonrecourse
Private Investors:
- LOIs within 24-48 hours
- No appraisal in CA in some cases
- No tax returns or pay stubs required
- No minimum DSCR
- No prepayment penalty (available)
- No advanced lender fees
We do finance LAND as well. Cross collateral allowed. Minimum loan request:$350,000
Key Loan Terms
- Max 70% LTV (65% for refinance). Up to 100% of purchase with cross collateral (2nd lien position OK)
- Rates starting at 8.49%
- 12, 24, to 36 month loan terms
- Loan amounts from $250,000 to $5 million
- 1st and 2nd lien loans (max $2 million 2nd lien)
- Cross Collateralization available
Max Loan-to-Value
- Multifamily (our specialty) LTV 70%
- Single Family Residences (1-4 units) LTV 75%
- Mixed Use LTV 70%
- Industrial LTV 65%
- Office LTV 65%
If not listed - feel free to ask.
SBA Loans and Alternative Financing
SBA Loans:
Business Acquisition
Purchase of a commercial real estate property
Working Capital
Business expansion
Equipment purchase
Franchise opportunities
Alternative Financing:
Unsecured lines of credit
Merchant cash advance
Business term loans
Accounts receivable loans
All industries considered
Banks
- SBA Lending
- Construction
- Multifamily
- Office Buildings
- Retail Centers
- Retail (single tenant- must be top end such as Starbucks...)
- Light Industrial Warehouse
- Planned unit development (PUD). tract house, townhouse, condos, etc
- Conventional loans: Underwritten to the business and guaranteed by anyone with 25% or more ownership. To 75% loan to value.
Credit Union
- Lending available to– 49 of 50 states (outlier is Louisiana)
- Lending Products – Conventional Loans (no Bridge, no Construction, no land)
- Assets – Office, Retail, Multifamily, Self Storage, Mobile Home Park, Industrial – We can’t do any Leasehold Class A office right now
- Loan Terms- 10 years, 5+5 or 7+3. No 10 year fixed
- Loan Sizes – $1 million to $100 million
- Leverages – Max LTV of 65% on commercial & hospitality and 75% on multifamily
- DSCRs Requirements – 1.25 on multifamily and 1.30 on commercial. Cash out requirement goes up to 1.30 on multifamily and 1.35 on commercial
- Amortization Options – 30 year on multifamily. 25 year on commercial. Can go up to 30 year amortization on new construction commercial
- Recourse Options – FULL RECOURSE (NO EXCEPTIONS)
- Prepayment Structure – Open from day one