Q: Buy Tools, Vehicles, or Machinery.

Finance the Tools That Power Your Business Equipment loans can help you grow without draining your reserves. We’ll help you structure financing that fits your revenue cycles—fast approvals, fair terms. Eligible Equipment Types: • Trucks, vans, and specialty vehicles • Construction equipment • Manufacturing machines • Medical and dental equipment • Office and IT systems • Restaurant and kitchen appliances

Question 1

Buy a Commercial Property.

Accepted Answer

Whether vou're purchasing a building for vour business or acauiring a tailored, fast, and designed around your goals. With flexible loan options, personalized guidance, and decades or experience, we make buying commercial real estate less complex — and more achievable.

• CRE Loans | Traditional financing for income-producing properties like office, retail, or multifamily (5+ units).
• SBA 504 Loans | Favorable terms if your business occupies 51% or more of the property — often SBA-eligible.
• Owner-Occupied Mortgages | Favorable terms if your business occupies 51% or more of the property — often SBA-eligible.

What you Can Expect:
• Faster closings than traditional banks
• Expert help comparing SBA vs conventional options
• Clear, responsive communication throughout the process
• Creative deal structuring to match your business model
• Confidence in a team that’s closed over $180M in commercial real estate deals

Question 2

Build or Renovate a Commercial Property.

Accepted Answer

Whether you're starting from the ground up or transforming an existing space, Top Flite Commercial offers flexible financing for construction and renovation. We help business owners, investors, and developers turn plans into finished projects — with structured draw schedules, expert support, and funding tailored to your timeline and scope.

• Construction Loans | Fund ground-up builds with draw schedules tied to project phases. Available for owner-users or investment projects.
• Bridge-to-Perm Financing | Start with an interest-only short-term loan, then convert to permanent financing after stabilization or occupancy.
• Renovation / Value-Add Loans | Unlock potential by improving or repositioning existing properties. Ideal for increasing value or attracting tenants.

What You Can Expect:
• Experienced team that understands construction timelines
• Flexible draw schedules and contractor coordination
• Renovation financing for both major and minor upgrades
• Funding aligned with appraisals, permits, and project phases
• Support navigating permits, inspections, and lender conditions
• Confidence in a team with over $180M in closed CRE loans

Question 3

Financing to Acquire or Expand.

Accepted Answer

Whether you're buying into a franchise, acquiring a competitor, or purchasing a new business altogether, we can help make the transition smooth and strategic. With custom lending structures and fast approvals, our team helps entrepreneurs and investors secure the capital needed to take ownership and take off.

• Purchasing an established business or franchise
• Partner buyout or ownership restructuring
• Expansion into new markets via acquisition

Loan Highlights
• SBA 7(a), 504, or conventional financing available
• Flexible terms and amortization schedules
• Options for asset, stock, or goodwill-based acquisitions

Question 4

Free Up Cash or Improve Your Terms.

Accepted Answer

Refinancing your commercial real estate can reduce your monthly payments, access equity, or move you into a more favorable loan structure. At Top Flite Commercial, we tailor solutions for business owners and investors looking to improve cash flow, fund new projects, or consolidate debt. Whether you're paying off a balloon, pulling equity for growth, or just want better terms, we make the process smooth and strategic.

• Rate-and-Term Refinance | Lower your payment, extend terms, or switch to a fixed rate.
• Cash-Out Refinance | Tap into built-up equity to reinvest in your business or real estate.
• Balloon Payment or Maturity | Refinance before your balloon loan comes due or convert to permanent financing.

What You Can Expect
• Flexible solutions for owner-occupied or investment properties
• Options for SBA, conventional, and private lending
• Speed to close — without bank red tape
• Confidence in a team that’s closed over $180M in commercial deals
• Transparent terms and deal structures built around your business

Question 5

Get Working Capital.

Accepted Answer

Flexible capital for payroll, inventory, equipment, or expansion—with approvals that prioritize speed and simplicity.
Whether you're managing seasonal dips, funding growth, or just need runway to catch your breath, we offer working capital loans that flex to meet your business’ pace.

Common Uses:
• Payroll and staffing support
• Inventory purchases
• Equipment upgrades
• Marketing campaigns
• Expansion into new markets
• Cushioning slow receivables

Question 6

Buy Tools, Vehicles, or Machinery.

Accepted Answer

Finance the Tools That Power Your Business
Equipment loans can help you grow without draining your reserves. We’ll help you structure financing that fits your revenue cycles—fast approvals, fair terms.

Eligible Equipment Types:
• Trucks, vans, and specialty vehicles
• Construction equipment
• Manufacturing machines
• Medical and dental equipment
• Office and IT systems
• Restaurant and kitchen appliances

Dan Levine

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25+ Years of Experience

A + Better Business Bureau Rated

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21 Average Days to Funding