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Funding Solution

Unlock Your Property's Growth Potential.

Use your commercial or residential real estate to access larger funding amounts, lower cost of capitals, and terms up to 25 years. Property-backed funding delivers competitive rates in commercial finance.

Apply for Business Funding See the Process
Key Benefits

The Advantage of
Real Estate Funding

When you secure funding with real estate, you access competitive rates, longest terms, and highest funding limits in commercial funding.

Lowest Possible Rates

Real estate collateral reduces funding provider risk, which translates directly to lower cost of capitals for you. Expect rates 2-5% below unsecured alternatives, saving thousands over the life of the funding.

$100K to $50M+

Real estate-backed funding supports the largest funding amounts in commercial finance. The more valuable your property, the more capital you can access for expansion, acquisition, or operations.

Up to 25-Year Terms

Real estate-backed funding can extend to 25 years, equipment funding to the useful life of the asset. Longer terms mean lower monthly payments and healthier cash flow.

Higher Approval Rates

Businesses with lower credit scores or shorter operating history can still access quality financing when collateral offsets the perceived risk. Assets speak louder than credit scores.

Multiple Property Types

Commercial buildings, office space, retail properties, warehouses, multi-family units, and mixed-use developments. Leverage your entire real estate portfolio for maximum funding capacity.

Property Stays in Use

Using your property as collateral does not mean giving it up. Your building stays fully occupied, your tenants keep paying rent, and your operations continue uninterrupted while you access growth capital.

Who It's For

Built for Property-Owning
Businesses

If your business owns commercial or residential real estate, property-backed funding converts your equity into a powerful growth engine.

Real estate owners seeking expansion capital
Manufacturers with valuable equipment and machinery
Transportation companies with fleet assets
Wholesalers and distributors with large inventory
B2B companies with strong accounts receivable
Construction firms with heavy equipment portfolios
Qualification Criteria

What You Need
to Qualify

Real estate funding focuses on property value and equity, making them accessible to a wide range of property-owning businesses.

Owned Real Estate

Commercial or residential property that can be appraised and pledged. The property type, location, and equity level drive the funding amount and terms.

1+ Year in Business

Operating history demonstrates that your business has the patterns and processes to service debt. Newer businesses may qualify with stronger collateral.

Clear Asset Title

Properties used as collateral must have clear ownership and be free of existing liens (or have subordination agreements). A professional appraisal is typically required.

Ability to Service Debt

Even with strong collateral, funding providers want to see sufficient cash flow to cover funding payments. A healthy debt service coverage ratio strengthens your application.

The Process

From Property Valuation
to Funded in 4 Steps

Our streamlined process handles property valuation, lien documentation, and underwriting so you focus on running your business.

1

Property Assessment

Tell us about your property: type, estimated value, and existing liens. We determine the optimal funding structure to maximize your funding capacity and minimize your rate.

2

Funding Provider Matching

We structure your real estate funding in-house with terms specifically suited to your property type and equity position.

3

Valuation and Underwriting

Our team arranges the property appraisal, verifies ownership and title, and underwrites the funding. We ensure documentation is complete to avoid delays.

4

Close and Fund

Once approved, lien documentation is recorded and funds are released. Most real estate funding closes within 3-6 weeks, with expedited options available when speed is critical.

FAQ

Real Estate Funding
Questions Answered

We accept a wide range of business assets as collateral: commercial real estate, equipment and machinery, accounts receivable, inventory, purchase orders, intellectual property, and in some cases, personal real estate. The type and value of collateral directly influences your funding amount, cost of capital, and remittance terms.
Pledging collateral reduces the funding provider's risk, which translates to significant benefits for your business: lower cost of capitals (often 2-5% less than unsecured funding), higher funding limits (up to 80-90% of asset value), longer remittance terms (up to 25 years for real estate), and higher approval rates even with imperfect credit.
If a business owner defaults, the funding provider has the legal right to seize the pledged property to recover the outstanding balance. However, responsible funding providers work with business owners through restructuring, forbearance, and modified payment plans before pursuing property seizure. Sunsurf Capital's advisors help you choose funding amounts and terms that minimize default risk.
Real estate funding amounts through Sunsurf Capital range from $100,000 to $50 million or more. Your funding limit depends on the funding-to-value (LTV) ratio of your collateral: commercial real estate typically supports 75-80% LTV, equipment 70-80%, receivables 80-90%, and inventory 50-70%.
Yes. Using multiple properties to secure a single funding agreement is common in commercial funding. Combining multiple commercial or residential properties can help you access larger funding amounts or better terms than any single property would support alone. Your advisor will help structure the optimal property package.
Closing timelines vary by collateral type. Equipment and receivables-backed funding can close in 1-2 weeks. Real estate-backed funding typically takes 3-6 weeks due to appraisals, title searches, and environmental assessments. We offer expedited closings when speed is critical.
Explore More Solutions

Other Funding Options

Do not have assets to pledge? Our unsecured funding options deliver capital based on revenue and business performance alone.

Working Capital
Unsecured, fast funding
Lines of Credit
Revolving access to capital
Get Started

Ready to Unlock the
Value in Your Property?

Tell us about your property and we will show you the financing options available. Free property valuation consultation, no obligation.

Book a Free Consultation Get a Property Valuation

Important Information About Our Products

SunSurf Capital is a direct provider of business funding through the purchase of future receivables. Our products are structured as commercial purchase transactions, not loans. When you receive funding from SunSurf Capital, you are selling a portion of your business's future receivables to SunSurf Capital at a discount. Remittance amounts are based on a percentage of your sales or revenue.

This is not a loan, line of credit, or any form of consumer credit. SunSurf Capital is not a bank, credit union, or licensed lender. We do not charge interest.

Product availability, terms, and qualification requirements may vary based on the specifics of each transaction and applicable state and federal law. Not all businesses will qualify. Funding is subject to review and approval and is not guaranteed. The information on this website does not constitute an offer or solicitation where prohibited by law.

State-specific disclosures are provided at the time a funding offer is extended, as required by applicable law.

Disclosures

Detailed transaction terms, costs, and any state-required disclosures are provided at the time we extend a specific funding offer to your business, as required by applicable law. The information on this website is general in nature and does not constitute a specific offer of funding.