Knowledge Base

Commercial Loan Knowledge Base

Everything you need to know about commercial financing — from loan types to business growth strategies.

All Alternative Lending Borrower Education Borrower Metrics Bridge Loans CRE Financing DSCR Loans Documents Equipment & Acquisitions FAQ Industrial Loan Process Loan Types Multifamily Process Rates & Market Retail SBA Loans Strategy

3 articles

Borrower Metrics 12 min read

What Is DSCR? The Borrower's Guide

DSCR (Debt Service Coverage Ratio) measures whether a property generates enough income to cover its debt payments. Learn the formula, lender benchmarks by loan type, worked examples, and strategies to improve your ratio.

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Borrower Metrics 11 min read

What Is a Cap Rate?

Cap rate (capitalization rate) measures a property's expected return independent of financing. Learn the formula, current cap rates by property type, how they relate to market conditions, and when cap rate analysis can mislead you.

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Borrower Metrics 12 min read

LTV Ratio Explained

Loan-to-Value (LTV) ratio determines how much a lender will finance relative to a property's appraised value. Learn the formula, regulatory limits, LTV by loan type, and strategies to lower your ratio for better terms.

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