Finance of America Commercial Reviews

Learn more about Finance of America Commercial, a hard money lender. Includes information on pricing, features, and frequently asked questions.

Updated on October 6th, 2021

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Finance of America Commercial is a hard money lender that provides rental term loans, fix and flip loans, lines of credit, and new construction loans to residential real estate investors. Finance of America Commercial is part of the Finance of America family and a Blackstone Group portfolio company.


Finance of America Commercial asks for an application fee, closing costs, and some other fees when offering loans, however, they do not provide this information on their website. You can contact the company for information on fees by calling them or filling out the Get Started form on their website.

Rental Loan Details:

Loan Type

Interest Rate

Loan Amount


Single Rental Loan

6.5% - 9%

$75,000 - $1,500,000

30 years, partial interest-only option available

Portfolio Rental Loan

5.5% - 7.5%

$700,000 +

5 or 10 years with balloon due at the end of the term, option to amortize up to 30 years

Fix and Flip Loan Details:

Interest Rate

6.75% and up

Loan Amount

$50,000 - $2,000,000 (max of $500,000 for inexperienced investors)


12 months, with options for extensions

Maximum Loan-To-Value (LTV)

Up to 75% of After Repair Value (ARV)

Maximum Loan to Cost (LTC)


Rehab/construction financing

Funding up to 100%

New Construction Loan Details:

Interest Rate

6.75% and up

Loan Amount

$100,000 - $2,000,000 ($500,000 max for inexperienced investor)


12 months, with options for extensions

Maximum LTV

Up to 75% of ARV

Maximum LTC


Rehab/construction financing

Funding up to 100% construction budget

Finance of America Commercial

Pros: Wide variety of loans on a range of properties.

Cons: Cap on loan amounts for inexperienced investors. Financing on multifamily properties only up to 20 units.

Bottomline: Finance of America Commercial offers competitive rates and loans nationwide.

Key Information:

Legal Name

Finance of America Commercial


John Beacham

Founding Date

Jan 01, 2013


6230 Fairview Rd, Ste 300 Charlotte NC 28210 United States

Number of Employees


Number of Customers




1 (800) 227-8107



What kind of properties does Finance of America Commercial loan on?

  • Single-family residences.
  • 2 - 4 family units.
  • Condos.
  • Townhomes.
  • Multifamily 5 - 20 units.
  • Mixed-use properties.
  • Properties for rehab.
  • Land for new constructions.

Does Finance of America Commercial finance land acquisitions?

Yes. Finance of America Commercial will finance up to 75% of the land value for acquisition for the purpose of new construction.

Can I get a loan from Finance of America Commercial if I have a bad credit rating?

Finance of America Commercial requires a credit score of 620 and above to approve a loan.

What are some Finance of America Commercial alternatives?