Loan Programs
Flexible commercial financing solutions designed to meet your deal’s unique requirements.
Our Loan Programs
Vision First Capital provides tailored commercial loan programs for investors, developers, and business owners across multiple asset classes. Each financing solution is structured to match your goals, timeline, and risk profile—never one-size-fits-all.
Leveraging a broad network of lenders and capital partners, we deliver competitive financing for acquisitions, refinances, and growth opportunities. From evaluation to closing, we manage the process with clarity, speed, and disciplined execution.
Fix & Flip
Rates from 9.99%
- Single Family & Multi-Family
- Up to 100% of Rehab
- Same Day Pre-Approval
- Close in 7-10 Days
Ground-Up Construction
Rates from 8.99%
- Single Family & Multi-Family
- Up to 100% of Build Cost
- Easy Draw Process
- Close in 10-20 Days
DSCR Loan
Rates from 6.49%
- 5, 7, 10, & 30 Year Terms
- LTV up to 80%
- No Income/ 580+ Fico
- Close in 7-10 Days
Commercial Loan
Rates from 4.75%
- Multi Family, Office, Retail, Special Purpose, Industrial, Hospitality
- 80% LTV DSR-1.15
- Full, Lite or No Doc
- $100K-$30M
Bridge Loan
Rates from 6.50%
- $25K-$5M Close in under 30 days
- Working Capital, Equipment, Payroll Protection & Disaster
- Up to 7 yrs for 7a (Working Capital) & 10 Years for 504a (Real Estate)
Business Loan
Rates from 12%+
- $25K-$2M
- No Income/No Credit Check
- Term Loans, Line of Credit, MCA, Equipment & More
- Close in 3-15 days
Foreign National DSCR
Rates from 6.25%
- No foreign or domestic credit needed
- No reference letters needed
- 75% LTV purchase
- 65% LTV cash-out / rate and term
- No proof of foreign home ownership needed
- No U.S. credit score needed
- Must cover over 0.80 DSCR
- 1–4 units, condos, townhouses, PUDs
- No management experience needed
- Down payment and closing costs must be in a U.S.-based account prior to closing
- Assets and reserves may be in a foreign account (6 months reserves needed)