Boost Your Brokerage Business with Kirkland Capital Group: The Best Partner for Loan Brokers in Micro-Balance Commercial Loans
Kirkland Capital Group specializes in micro-balance commercial loans for underserved markets. We bridge a crucial gap, helping brokers and borrowers achieve financial objectives effectively. Established in 2019, we emerged from an industry need for loan programs targeting secondary and tertiary locations overlooked by larger financial institutions.
Specialization in Micro-Balance Commercial Loans
One of our defining characteristics is our focus on what we call micro-balance commercial loans, typically ranging from $200,000 to $1.5 million. While these amounts may seem substantial at first glance, they are considered relatively small in the commercial real estate sector, where loan amounts can easily reach hundreds of millions for large-scale projects. This niche focus allows us to cater to a segment of the market that is frequently neglected.
“One of our defining characteristics is our focus on what we call micro-balance commercial loans, typically ranging from $200,000 to $1.5 million.”
Broker-Only Commercial Lending
We operate as a broker-only commercial lender, meaning we exclusively accept loan applications through loan brokers. This model ensures that we maintain a strong and effective broker network, providing consistent and reliable loan flow. By fostering broker relationships, we have built a robust system that enhances both the broker and borrower experience.
“We exclusively accept loan applications through loan brokers”
Tailored Commercial Loan Programs
We specialize in short-term bridge loans designed to meet immediate financial needs and facilitate transactions that might otherwise stall due to funding constraints. These loans are offered for terms of 12 to 24 months, with options for two six-month extensions, providing flexibility for borrowers to stabilize their financial situation and plan for longer-term financing solutions. This flexibility is particularly beneficial for businesses looking to capitalize on timely opportunities without getting bogged down by the often-lengthy traditional lending processes.
Learn about how you can increase loan to value up to 85% by reading this article.
Common-Sense Underwriting for Commercial Loans
What truly sets us apart is our commitment to common-sense underwriting. Unlike traditional lenders who may adhere strictly to rigid guidelines, we take a holistic view of each application's merits. Factors such as the borrower's overall financial picture, their experience, and the property's potential are meticulously evaluated. This pragmatic approach allows for exceptions and accommodations that many larger institutions would not consider, making it possible for more borrowers to secure the funds they need.
“What truly sets us apart is our commitment to common-sense underwriting”
Accessing Underserved Commercial Lending Markets
A significant part of our mission is to serve secondary and tertiary markets and rural areas often ignored by major financial institutions. These underserved markets represent a wealth of opportunity but are frequently sidelined due to perceived risks and complexities. Our willingness to engage with these markets demonstrates our flexibility and commitment to addressing diverse needs. By focusing on areas with good economic potential yet limited financial options, we enable more businesses and investors to achieve their goals.
“By focusing on areas with good economic potential yet limited financial options, we enable more businesses and investors to achieve their goals.”
Streamlined Commercial Loan Approval Process
Efficiency and transparency are cornerstones of our operations. Our process begins with a rapid scenario form available on our website, allowing brokers to submit potential deals quickly. This initial assessment typically allows for a same-day response, up to 24 hours, giving brokers a swift understanding of the viability of their client's application. If the loan scenario is approved, we will request additional information through a simplified form on our website. Our underwriters will rigorously review all aspects to ensure accuracy and feasibility. A written quote takes two business days.
To learn more about our process and procedure, please visit our Underwriting Process & Documentation page.
Expert Insights and Support for Commercial Brokers
Beyond our lending solution, we are dedicated to educating and supporting our broker network. Our team offers valuable insights into market trends, lending strategies, and best practices. Through videos, detailed articles, and one-on-one consultations, brokers are equipped with the knowledge and tools needed to navigate the complexities of commercial lending effectively, as well as understand our process. This commitment to support fosters a collaborative environment where brokers can thrive and grow their business.
For brokers entering the commercial lending space or seeking to expand their offerings, we provide a unique and valuable proposition. By targeting underserved markets and offering flexible, common-sense loan programs, we open doors to opportunities that might otherwise remain closed. Our robust support system and transparent processes further enhance our appeal, making us a reliable partner for both new and seasoned brokers.
“We are dedicated to educating and supporting our broker network.”
Insights for this year: How to Leverage Our Program for Brokers
Here are some ways loan brokers can start leveraging our program today.
Owner-User Opportunities: One major opportunity lies in targeting businesses that own and operate out of their premises. For businesses currently leasing and looking to buy, our program can help them purchase their property quickly, filling a gap that slower SBA loans might leave. Transitioning from leasing to owning not only builds equity in the business but enhances long-term financial stability.
Cash for Expansion: Many businesses need cash to expand or manage financial hurdles, especially post-COVID. Traditional loan options like SBA might not always be viable, especially for those with cash flow issues or credit dings. Our flexible mortgage loans offer a less expensive alternative to MCA loans or revenue-based loans, helping businesses catch up on pending obligations or fund new growth initiatives.
Targeting Less Competitive Markets: We encourage brokers to focus on secondary and tertiary markets where competition is less intense, and needs are often unmet. By providing tailored solutions that go beyond online marketing, brokers can tap into these underserved areas, building a robust client base.
Redefining Commercial Lending with Kirkland Capital Group
Our innovative approach to commercial lending is reshaping the industry. With a focus on micro-balance loans, an exclusive broker network, and a dedication to serving underserved markets, we are setting new standards for what is possible in commercial real estate financing. Our commitment to common-sense underwriting and exceptional broker support underscores our role as leaders in this niche market. For borrowers and brokers alike, we represent a beacon of opportunity and growth in the commercial lending sector.
If you're ready to explore the unique solutions Kirkland Capital Group offers, we invite you to get started today. Visit kirklandlending.com/rapid-loan-scenario to submit your loan scenario. Let us help you unlock new opportunities for you and your borrowers.
