Deep Expertise in Your Sector
We don't finance every business — we finance three, and we know them better than anyone. Hotel owners, gas station operators, and commercial real estate investors get advisors who understand their industry, their lenders, and how to get their deal closed.
Hotel & Hospitality
We Speak Hospitality Finance.
Hotels are one of the most complex assets in commercial real estate — and most lenders treat them that way, often declining deals that don't fit a simple box. We've spent decades building relationships with lenders who specialize in hospitality, from limited-service flagged properties to independent boutique hotels.
Whether you're acquiring a branded franchise property, completing a PIP, refinancing an existing note, or funding a conversion, we know how to structure the deal and which lenders will close it.
What We Finance
- Flagged franchise properties: Marriott, Hilton, IHG, Wyndham, Choice, Best Western
- Independent and boutique hotel acquisitions
- PIP (Property Improvement Plan) financing
- Brand conversion and flag change financing
- Refinance and cash-out for stabilized assets
- SBA 7(a) and SBA 504 for owner-operators
- Bridge loans for transitional and value-add properties
Ready to discuss financing for your hotel & hospitality asset? Our advisors are available for a no-obligation consultation.
Gas Stations & C-Stores
Petroleum Retail Is Our Specialty.
Petroleum retail is a specialized asset class that most conventional lenders avoid entirely. Environmental liability, fuel supply agreements, underground storage tanks, and the economics of convenience retail require lenders who understand the business — not just the real estate.
We have deep, established relationships with lenders who actively seek gas station and C-store deals. We know how to present your transaction, address environmental concerns, and structure financing that gets to the closing table.
What We Finance
- Branded and unbranded fuel stations
- Gas station + convenience store combinations
- Environmental liability navigation and lender guidance
- Underground storage tank (UST) compliance financing
- Fuel supply agreement review and lender presentation
- SBA 7(a) for owner-operated acquisitions
- Refinance, cash-out, and portfolio financing
Ready to discuss financing for your gas stations & c-stores asset? Our advisors are available for a no-obligation consultation.
Commercial Real Estate
Every Asset Class. Every Market.
From single-tenant net lease properties to large mixed-use developments, we finance commercial real estate across every asset class and every major market in the country. Our lender network spans banks, credit unions, life companies, CMBS conduits, debt funds, and private equity — giving us the flexibility to find the right capital for your deal.
We specialize in transactions that conventional lenders struggle with: lease-up properties, value-add plays, complex ownership structures, and deals that need creative structuring to get across the finish line.
What We Finance
- Office, retail, industrial, and mixed-use properties
- Multifamily and apartment communities
- Net lease and single-tenant assets
- Value-add and repositioning plays
- Lease-up and transitional properties
- Portfolio acquisitions and refinancing
- Ground-up construction and development
Ready to discuss financing for your commercial real estate asset? Our advisors are available for a no-obligation consultation.
Multifamily & Apartments
Apartment Financing Done Right.
Multifamily is one of the most active asset classes in commercial real estate — and one of the most competitive when it comes to financing. Whether you're acquiring a stabilized apartment community, repositioning a value-add property, or developing ground-up, we have the lender relationships to find the right capital at the right terms.
We work with agency lenders (Fannie Mae, Freddie Mac, HUD), banks, debt funds, and private equity to match each deal with the optimal capital source. From small 5-unit buildings to large institutional communities, we've seen it all.
What We Finance
- Stabilized apartment acquisitions and refinancing
- Value-add and repositioning plays
- Agency financing: Fannie Mae, Freddie Mac, HUD/FHA
- Bridge loans for lease-up and transitional assets
- Ground-up construction and development financing
- Portfolio loans for multiple properties
- Cash-out refinancing for equity recapture
Ready to discuss financing for your multifamily & apartments asset? Our advisors are available for a no-obligation consultation.
Rental Homes & SFR
Single-Family Rental, Scaled.
Single-family rental (SFR) has emerged as one of the fastest-growing asset classes in real estate. Whether you own one rental property or a portfolio of hundreds, we have the financing solutions to help you acquire, refinance, and scale — without the friction of conventional residential lending.
We work with DSCR lenders, portfolio lenders, and private debt funds who specialize in investor-owned residential properties. No tax returns required on most programs — qualification is based on the property's cash flow, not your personal income.
What We Finance
- DSCR loans — qualify on rental income, not personal income
- Single-family, duplex, triplex, and fourplex financing
- Fix-and-flip and fix-to-rent bridge loans
- Portfolio loans for 5+ properties under one note
- Short-term rental (Airbnb/VRBO) financing
- Cash-out refinancing for equity recapture
- New construction and build-to-rent financing
Ready to discuss financing for your rental homes & sfr asset? Our advisors are available for a no-obligation consultation.
Fix & Flip
Fast Capital for Fast Deals.
Fix-and-flip investing moves fast — and your financing needs to keep up. We work with experienced investors and first-time flippers alike to secure short-term bridge loans that close quickly, fund renovations, and get you to the finish line before your ARV window closes.
Our lender network specializes in asset-based lending for residential and small commercial rehab projects. Qualification is based primarily on the deal — the property value, your renovation plan, and the after-repair value — not just your personal financials.
What We Finance
- Short-term bridge loans: 6–24 month terms
- Up to 90% of purchase price + 100% of rehab costs
- Asset-based underwriting — credit score not the only factor
- Fast closings: 7–14 days on qualified deals
- Single-family, multifamily, and small commercial rehab
- Ground-up construction and new build financing
- Repeat investor programs with streamlined approval
Ready to discuss financing for your fix & flip asset? Our advisors are available for a no-obligation consultation.
Why Operators Choose American Commercial Lending
Most commercial finance brokers are generalists. We're not. Our entire practice is built around three industries — and that focus means faster approvals, better terms, and fewer surprises at closing.
When you work with us, you're not explaining your business to someone who's never seen it before. You're working with advisors who have closed hundreds of transactions just like yours.
Industry-Specific Lender Network
We maintain active relationships with lenders who specialize in hotels, gas stations, and CRE — not just general commercial lenders.
No Learning Curve
Our advisors understand your asset class, your cash flow dynamics, and the underwriting criteria that matter to your lenders.
Faster Approvals
Because we know which lenders will approve your deal before we submit, we eliminate wasted time and unnecessary declines.
Transparent Process
We tell you exactly where your deal stands, what lenders are looking for, and what it will take to close — no runaround.
Let's Talk About Your Deal
Whether you're acquiring your first hotel, refinancing a gas station portfolio, or pursuing a complex CRE transaction, we're ready to help you find the right capital.