Here’s a little spoken challenge for most bankers from the front lines of commercial real estate lending:

Closing a $1–3 million deal can take just as much time as a $10–30 million deal. Sometimes more.
Yes, we said it!

Here’s Why:

• Lenders still need full underwriting.

• Same stack of third-party and due diligence reports.

• Just as many questions from legal and credit.

• Often more hand-holding for first-time or newer borrowers.

At the same time, smaller deals come with:

• Lower profit margins for lenders

• Higher risk of fallout (borrowers back out, sellers walk, etc.)

• Time intensiveness — we’re talking 20–30 hours minimum just to get to an approval, not counting closing coordination.

This is why many commercial real estate lenders are selective about smaller deals — and why we focus on them intentionally.

We know what it takes.

We know how to quarterback the process.

And we know how to keep your deal moving without wasting everyone’s time.

If your loan is between $1–3 million, and you’ve been told it’s “too small to matter” — it isn’t for us.

You just need the right team who knows how to make small deals close like big ones.

Take our funding scorecard quiz to see in 5 minutes or less if your deal is funding ready.

DISCLAIMER: This is not real estate, legal, or financial advice. Please contact your preferred attorney or financial adviser for help specific to your needs or issue.