Commercial Lending Process – How It Works at Prime Commercial Capital

Our Step-by-Step Lending Process

Step 1 – Initial Consultation

Your journey begins with a free consultation where we discuss the specifics of your project and financing needs. During this meeting, we’ll help determine the ideal loan program based on your goals and property type.

✅ We collect basic project details.
✅ We answer your questions and outline expectations.
✅ We provide a custom checklist of documents required for underwriting.

Step 2 – Financial Review & Packaging (Within 48 Hours)

Once we receive your documents—typically financial statements and project summaries—our team immediately begins packaging and pre-underwriting your request.

✅ We analyze your financials.
✅ We identify strengths and potential risks.
✅ We package your loan request to align with lender criteria.
✅ We submit the request to carefully selected lenders from our network.

Step 4 – Commitment Letter and Loan Processing

Once you approve the term sheet, we move forward to formalize the loan.

✅ Lender issues an official commitment letter.
✅ You sign and return the agreement.
✅ Third-party inspections are ordered (appraisal, environmental, survey, etc.).
✅ We manage communication between all parties.

Step 5 – Closing and Settlement (Typically 45–60 Days Total)

From here, our goal is simple: get you across the finish line with speed and precision.

✅ We coordinate all final documents.
✅ We ensure compliance with all closing conditions.
✅ We work with your legal, financial, and real estate partners to ensure a timely settlement.

Once complete, you’re ready to deploy capital and move forward with your project.