(205) 295-6684 myron.ruffin@upfinserv.com 2100 Southbridge Pkwy, Birmingham, AL 35209 | NMLS #2121594
Commercial Lending Advisory

Your Business Vision May Require Capital.

Tailored commercial financing for property purchases, portfolio expansion, and investor growth.

Modern Commercial Real Estate Architecture and Corporate Facilities
Strategic Real Estate Capital

Capital Solutions For Growing Enterprises & Investors

From owner-occupied corporate facilities to income-producing multifamily assets, we provide structured access to wholesale commercial lending programs.

Securing competitive commercial financing requires aligning project scope, borrower strength, and property valuation with the right institutional capital sources. We evaluate your transaction through comprehensive underwriting lenses to structure optimal terms, protect cash flow, and support long-term enterprise growth.

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Comprehensive Lending Capabilities

Commercial Loan Categories We Facilitate

From single-tenant commercial buildings to diversified real estate portfolios, we connect clients with flexible financing structures.

Commercial Property Acquisition

Acquiring real estate for company operations, retail storefronts, medical clinics, or corporate office headquarters.

Investment Properties

Financing for experienced and emerging real estate investors expanding residential rental and commercial portfolios.

Eligible Multifamily Properties

Apartment buildings and residential complexes designed for sustained cash flow and long-term capital appreciation.

Construction & Renovations

Financing development projects, tenant improvements, and commercial facility modernizations.

Commercial Refinancing

Restructuring commercial debt to improve liquidity, extract equity, or extend maturity dates.

Church & Non-Profit Properties

Specialized institutional underwriting tailored to tax-exempt organizations and community facilities.

Our Underwriting Process

We Begin By Understanding Your Five Key Fundamentals

Commercial financing requires rigorous underwriting precision. We analyze every project through five distinct lenses:

1. The Property

Location, condition, market valuation, and zoning suitability.

2. The Project

Purchase, build, remodel, or cash-out refinancing scope.

3. The Borrower

Experience, credit strength, and operational track record.

4. The Financials

Debt service coverage ratio (DSCR) & balance sheets.

5. The Objective

Long-term holding, business growth, or eventual exit strategy.

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