About Pen Pointe
A commercial underwriting firm that reviews every loan in house and stays with borrowers through closing.
Pen Pointe Commercial Underwriters
Pen Pointe Commercial Underwriters (PPCU) helps businesses and investors finance commercial property and grow. We arrange commercial and business loans, including SBA 7(a), 504 and Micro loans, and help small businesses secure working capital.
We underwrite every loan in house, which sets us apart from many lenders and brokers. Your file is reviewed and strengthened before it goes to a lender, and a PPCU loan officer attends every closing.
We also finance businesses looking for a first, second or relocated location. Together with our parent firm, Pen Pointe Brokers, a licensed commercial real estate brokerage, we help clients find the right space to lease or buy, and we work to keep business owners from having to personally guarantee a commercial lease.
Pointing clients in the right direction
We have built strong relationships with banks, SBA lenders, hard money and bridge lenders, construction and land lenders, and commercial management companies. That network lets us match each borrower with financing that fits the project.
Our team takes pride in going the extra mile for every borrower, from the first conversation to the closing table.
Pen Pointe Brokers, Inc. has served clients since 2010.
Lending services
Small business
- SBA 7(a), 504 and Micro loans
- SBA non-real estate loans
- Business acquisition loans
- Owner-occupied businesses, sale or refinance
- Working capital
Construction and land
- New construction
- Land purchases and loans
- Acquisition and development
- Mixed-use development
- Ground lease financing
- Remodels and renovations
Property types
- Hospitality
- Restaurants, bars and clubs
- Shopping centers and retail
- Medical: clinics, dental, optometry
- Multifamily, new or existing
- Industrial warehouses
- Office buildings and plazas
- Churches, purchase or refinance
- Agricultural and USDA: farms, land, ranches
- Leisure: golf courses and marinas
Bridge and structured
- Hard money loans
- Bridge and DSCR loans
- Mezzanine financing
- Joint ventures
- True non-recourse loans
- Purchases and refinances: cash-out or rate and term
Ready to talk about your project?
Call a loan officer, or send your documents and we’ll start underwriting.