Straight answers to the questions we hear most.

There is no upfront cost for our consultation, packaging or shopping your file. We're paid a success fee at closing — typically by the lender or rolled into the loan amount, fully disclosed before you sign anything.

We finance commercial loans from $250,000 up to $100M+. Our sweet spot is $1M–$25M for CRE and SBA, with active activity above and below that range.

Yes. Mullan Capital is a commercial loan broker, not a direct lender, and we place loans nationwide — including U.S. territories on a case-by-case basis.

Bridge and equipment financing can fund in 7–14 days. Conventional CRE typically closes in 30–45 days. SBA and agency loans run 60–90 days due to government underwriting and third-party report timelines.

SBA generally requires 680+. Conventional CRE typically wants 660+ on the sponsor. Bridge and hard money are asset-based and can work with scores in the low 600s. We have programs for credit-challenged sponsors with strong collateral.

Limited. We can place SBA acquisition loans for buyers of existing businesses and equipment loans for newer companies, but pure pre-revenue startups are typically better served by venture or revenue-based capital.

For most files: 3 years business and personal tax returns, YTD financials, debt schedule, schedule of real estate, ID and entity docs. For real estate: rent roll, operating statements, purchase contract or appraisal.

Both are available. Agency multifamily and CMBS are non-recourse with standard carve-outs. Most conventional and SBA loans require a personal guarantee. We'll always quote both options when relevant.

Yes — rate-and-term, cash-out and bridge-to-perm refinances are a major part of our business. Send us your current loan summary and we'll model whether a refi pencils.

Yes. We work with SBA Preferred Lenders nationwide on both 7(a) and 504 programs, including business acquisition, partner buyout, owner-occupied real estate and refinance scenarios.