Program workspace

“For more information, speak to one of our loan professionals listed below: David Garcia Office Phone: 201-823-0700 x2094 Bill Winans Office Phone: 201-823-0700 x2041”

“Are you ready to take your commercial real estate aspirations to new heights? BLC Community Bank’s financing solutions provide you with the flexibility and support you need to make your real estate ventures a reality. Our diverse lending options can help finance purchases, expansions, new construction, land, and leasehold improvements.”

“Sitemap Privacy Policy Website Accessibility Terms and Conditions USA Patriot Act Community Reinvestment Act Website Design by LKCS ©2026 BLC Community Bank. All Rights Reserved. Open Search”

“Loan Options”

“Our experienced lenders are ready to provide you with personal, friendly service to develop a loan package that meets your needs.”

“Personal Accounts Loans Services Business Accounts Loans Services Resources Online Account Other Services About Contact Who We Are”

“SBA 504 Program: Experience lower down payments, extended repayment terms, and competitive interest rates. Our team simplifies the SBA process, making it easy for you to thrive in your commercial real estate endeavors.”

“BLC Community Bank is committed to the growth and development of the communities we serve. Our experienced commercial lenders understand the ins and outs of the real estate market. Benefit from their knowledge and let us tailor a lending solution that suits your specific needs. At BLC, you're not just a client; you're a valued partner. We're committed to your success and provide unparalleled support throughout your journey. As a locally owned bank, all lending decisions are made here, offering you efficient and swift financing solutions, so you can capitalize on opportunities without delay. Don't miss out on the chance to turn your commercial real estate aspirations into reality! Our lenders are locally based in Appleton and the Fox Valley. We live and work in the same communities as you do. Partner with us for all your business and commercial lending needs.”

“Use this snapshot to quickly understand the core bridge loan parameters before starting a deeper conversation with the BLC team. Bridge loans are short-term solutions. BLC evaluates the current asset, the requested structure, the borrower’s cost basis, and the credible next capital event. Contact BLC Loan Amount 1st TD / mortgage up to $20,000,000 Maturity Up to 36 months Amortization Interest only Maximum LTV Up to 75% Use of Proceeds Purchase, refinance, cash-out refinance Eligible Use Owner-occupied, investor, and multifamily 5+ units Rate / Fees Fixed and adjustable rates available; minimum 1% loan fee Credit / Underwriting Minimum FICO generally 620; stabilization, lease-up, and ownership restructuring reviewed Collateral coverage”

“Move on a purchase opportunity while long-term financing, operating milestones, or ownership plans are still being finalized. 02”

“The team evaluates the property, business plan, loan purpose, borrower profile, guarantees, and path forward. 03”

“Bridge Lending”

“Some bridge loans solve a property-level transition. Others give sophisticated borrowers time to assess rates, cap rates, submarket changes, or a future sale before locking into a long-term financing structure. BLC evaluates the real estate, borrower profile, cost basis, requested structure, and exit strategy so the loan is built around the actual transaction — not a generic bank box.”

“BLC provides near-term commercial real estate financing for borrowers who need flexibility around acquisition timing, maturing debt, refinance strategy, stabilization, or changing market conditions before committing to permanent debt. Contact BLC View Program Terms $2M–$20M 1st TD / mortgage loan amount 75% Maximum loan-to-value 12–36 Month interest-only structures USA Nationwide commercial lending $350M+ Managed assets and more $1B+ Closed loans since inception 6,000+ Active brokers and referral partners <2% Historical delinquency rate Institutional rigor. Tailored financing.”

“Commercial real estate underwriting built around the collateral and exit”

“Main (877) 774-4240 Office Irvine, California Inquiries Submit through Contact BLC LinkedIn © 2026 Business Loan Capital, Inc. All rights reserved. Privacy Policy Contact Information on this website is provided for general informational purposes only and does not constitute a commitment to lend. All financing requests are subject to underwriting, collateral review, borrower qualifications, lender approval, and transaction-specific terms.”

“Yes. BLC has closed bridge loans on stabilized properties where borrowers wanted near-term flexibility while assessing interest rates, cap rates, property values, or micro-market conditions before committing to long-term debt.”

“Contact BLC with the loan request, collateral details, cost basis, timing, and exit strategy. The goal is a focused conversation about whether a bridge structure fits the transaction.”

“Give the asset more time when existing debt is coming due and a permanent loan is not yet available or not the best option. 03”

“Multifamily 5+ units”

“Bridge Lending Conventional Loans SBA CDC / 504 Loans”

“Restructure debt, access equity, or solve a capital-stack problem while preserving a clear future financing path. 04”

“Provide the property type, location, requested loan amount, cost basis, timing, borrower context, and intended exit strategy. 02”

“Consider complex commercial property types when the collateral, borrower strength, cost basis, and exit strategy support the loan. Program terms”

“Qualified borrowers receive clear next-step guidance so the transaction can move with appropriate speed and discipline. Discuss financing”