Small Businesses and Self-Employed Borrowers
Lenders differ in how they evaluate business sales, cash flow, tax returns and credit. We review operating results and financial information to explore suitable alternative financing programs.
GLOBAL X / DIYRATE · ALTERNATIVE FINANCING
Was Your Bank Loan Application Declined?
A denial by one financial institution does not necessarily mean other lenders have the same decision. Explore financing options suited to your business and property.
Financing ConsultationGLOBAL X HomeFinancing Options After a Loan Denial
Homeowners and Property Investors
Property value, rental revenue and repayment capacity can support a review of other lenders and real estate financing options, including rates, costs and terms.
Availability and terms depend on credit, income, collateral, business performance and lender underwriting.
Other Financing Programs
Explore personal loans, business income-based financing, DSCR, alternative-documentation, foreign-national, private-money, bridge and construction loan programs.
Personal LoansView Details
Personal loans may help eligible borrowers finance personal expenses, planned purchases or debt consolidation, subject to the lender’s permitted uses. Options may be unsecured or secured; approval, rates and repayment terms depend on credit, income, existing debt and lender requirements.
Business Income LoansView Details
Business income-based financing may be considered for established businesses based on verified business deposits, bank statements, operating cash flow and revenue trends. Available financing structures, fees, loan amounts and repayment schedules differ by lender and are subject to underwriting.
DSCR (Rental Income-Based) LoansView Details
DSCR programs may finance rental-property purchases or refinances using property rental income and debt service rather than relying primarily on an individual's W-2s, pay stubs or personal tax returns. Appraisals, rental documents, credit, reserves and other lender criteria may still apply.
No Personal Tax Return / Alternative DocumentationView Details
Some programs allow qualified borrowers to document repayment ability through rental cash flow, bank statements, assets or other accepted records instead of personal tax returns. Reduced documentation does not waive credit, collateral, income or lender review.
Foreign National Investor LoansView Details
Loans for qualifying non-U.S. citizens or nonresident investors buying or refinancing U.S. investment property. Down payments and documentation vary by lender and eligibility.
Private Money LoansView Details
Asset-focused financing from private lenders that may be considered for real estate transactions requiring different underwriting or a faster funding timeline.
Bridge LoansView Details
Short-term transitional financing for acquisitions, renovations or refinancing while longer-term financing or a property sale is arranged. A clear exit and repayment strategy is essential.
Construction LoansView Details
Financing for new construction and major renovations based on the project budget, permits, construction milestones and lender-specific draw procedures.
Program availability, required documents, rates, fees and approvals vary by property, borrower qualifications and lender underwriting.
Would You Like to Explore Other Financing Options?
Share why your previous loan request was declined, the funding amount needed, and relevant business or property information. We can explain possible programs and documentation. A consultation is not a guarantee of approval or interest rate.
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