12 Stone Consulting

Institutional Capital

Commercial loans are a type of debt financing that businesses can use for a variety of purposes, such as covering operational costs, expanding into new markets, purchasing new equipment or real estate, or refinancing existing debt. There are many different types of commercial loans available, each with its own eligibility requirements, interest rates, and repayment terms.

The average small business usually can’t raise equity funding or obtain traditional bank financing because the business might be too young, or the owner might have struggling credit or lack collateral. In the past, this meant you couldn’t obtain a commercial loan, but now 12 Stone caters to a variety of borrowers that make funding possible as long as the deal makes sense……

Types of Loans available through 12 Stone Consulting
7A (for Real Estate, start-ups and for business only loans).
504 program is for Real estate only, (Purchase)
USDA Deals
Conventional Deals
FHA – Apartments:
FHA – Healthcare-Section 232/223
FNMA/FHLMC – only apartments
General Apartments
General Commercial (Office, retail, industrial)
Special Purpose Commercial (hotels, convenience stores, restaurants, etc)

Related Services

Single Family Rehab Loans

Single Family Fix and/or Flip In today’s climate, many rehab loans are done with hard money.

Business Credit

A line of credit is a versatile financial tool that can be used for both business and personal purposes.

Private Commercial Loans

Our business consortium has expanded to include a wide range of funding sources, encompassing individual, private, and institutional capital.

Church Loans

A line of credit is a versatile financial tool that can be used for both business and personal purposes.

Corporate Business Structuring

Establishing a formal business structure is a critical step for any new business owner.

Lines of Credit

A line of credit is a versatile financial tool that can be used for both business and personal purposes.

Business Loans

A line of credit is a versatile financial tool that can be used for both business and personal purposes.