MCG-logo-white
MCG-logo-white

Rates as of 2/20/24:

3-YR Fixed

5.850%

5-YR Fixed

5.950%

7-YR Fixed

6.375%

10-YR Fixed

6.500%

15-YR Fixed

6.650%

The Ultimate Owner-User Loan Programs!

Helping business owners increase their revenue and save money on their monthly mortgage payments.

Light industrial, office, medical, restaurant, mixed-use

Rates as of 2/20/24

3-YR Fixed:

5.850%

5-YR Fixed:

5.950%

7-YR Fixed:

6.375%

10-YR Fixed:

6.500%

15-YR Fixed:

6.650%

Self-employed business owner with a commercial mortgage?

Save thousands with our highly competitive, fixed interest rates and low-cost refinance and purchase loan programs, including bank portfolio up to 85% loan-to-value, 504 combo up to 90% combined loan-to-value, and 7a up to 90% loan-to-value.

Programs by Property Type:

OUR Recent Transactions:

Get a quote today and see how much you can save!

We'll make sure to match you with the best loan program for your loan inquiry. With competitive low rates and flexible programs, we're sure you won't be disappointed.

Get a quote today and see how much you can save!

We'll make sure to match you with the best loan program for your loan inquiry. With competitive low rates and flexible programs, we're sure you won't be disappointed.

Why choose MCG for your owner-user financing?

Unlike your typical lending platform, MCG has access to a vast array of income property loan programs. This gives us the ability to match you or your client with the perfect loan and an often unbeatable interest-rate. We have helped numerous clients save thousands on their purchases or refinances!

Want to know more? Explore our transaction stories, where you can learn about everything we do to make sure our clients get the best service and the best loan, or check out our testimonials below. 

Unlike your typical lending platform, MCG has access to a vast array of income property loan programs. This gives us the ability to match you or your client with the perfect loan and an often unbeatable interest-rate. We have helped numerous clients save thousands on their purchases or refinances!

Want to know more? Explore our transaction stories, where you can learn about everything we do to make sure our clients get the best service and the best loan, or check out our testimonials below. 

Contact Us

Feel free to contact us with any further questions. We would love to help find the solution to you or your client’s financial needs.

Working Hours

Weekdays:
9:00am - 6:00pm

Phone Hours:
9:00am - 6:00pm

Contact Information

(310) 621-3750
info@mcglend.com

Marketplace Capital Group
609 Deep Valley Drive, Suite 200
Rolling Hills Estates, CA 90275

Copyright © 2024 Marketplace Capital Partners, CA | All Rights Reserved

Owner-User programs

for Industrial Properties

Owner-User Bank Portfolio:

  • Purchase & Refinances
  • Important: This program uses 51% of the gross rents to be paid by the owner (not 51% of the owner-occupancy of the subject property)
  • Loan amounts from $500K to $25MM
  • 3, 5, 7, 10 & 15-year fixed terms
  • Up to 85% loan-to-value / max 20-year amortization 
  • Up to 75% loan-to-value / max 25-year amortization
  • Reduced prepayment penalties
  • Desktop appraisals for loan amounts under $1MM
  • Allows purchase properties that need owner-user TI’s (can be included into the loan amount, typically interest-only for for 12 months for TI’s)
  • Minimum owner-user rents: 51% of gross rents
  • Multi-state program (call for accepted states / locations)
  • Business acquisition in equipment financing available
  • Step-down declining prepays

SBA 504:

  • Nationwide program
  • Requires 51% owner-occupancy of subject property
  • Loan amounts: $500K to $10MM
  • Fixed, reset loan programs
  • 1st and 2nd TD combo: up to 90% CLTV
  • 1st TD: 10-year fixed
  • 2nd TD: 25-year fixed
  • Step-down prepayment fees
  • Minimum owner-user occupancy: 51%
  • Acceptable markets: 50,000 minimum population
  • Minimum credit score: 675
  • Step-down declining prepays

SBA 7a:

  • Flexible, nationwide, quarterly adjustable program
  • Requires 51% owner-occupancy of subject property
  • Index WSJ Prime
  • 250 to 350 margin over Prime
  • Quarterly ARM for 25-year fixed programs available 
  • Loan amount: $500K to $5MM
  • Up to 90% loan-to-value
  • No prepayment fee for loans with less than a 15-year fixed term
  • Minimum owner-user occupancy: 51%
  • Step-down declining prepays required

Owner-User programs

for Office & Mixed-Use Properties

Owner-User Bank Portfolio:

  • Purchase & Refinances
  • Important: This program uses 51% of the gross rents to be paid by the owner (not 51% of the owner-occupancy of the subject property)
  • Loan amounts from $500K to $25MM
  • 3, 5, 7, 10 & 15-year fixed terms
  • Up to 85% loan-to-value / max 20-year amortization 
  • Up to 75% loan-to-value / max 25-year amortization
  • Reduced prepayment penalties
  • Desktop appraisals for loan amounts under $1MM
  • Allows purchase properties that need owner-user TI’s (can be included into the loan amount, typically interest-only for for 12 months for TI’s)
  • Minimum owner-user rents: 51% of gross rents
  • Multi-state program (call for acceptable states / locations)
  • Business acquisition in equipment financing available
  • Step-down declining prepays

SBA 504:

  • Nationwide program
  • Requires 51% owner-occupancy of subject property
  • Loan amounts: $500K to $10MM
  • Fixed, reset loan programs
  • 1st and 2nd TD combo: up to 90% CLTV
  • 1st TD: 10-year fixed
  • 2nd TD: 25-year fixed
  • Minimum owner-user occupancy: 51%
  • Acceptable markets: 50,000 minimum population
  • Minimum credit score: 675
  • Step-down declining prepays

SBA 7a:

  • Flexible, nationwide, quarterly adjustable program
  • Requires 51% owner-occupancy of subject property
  • Index WSJ Prime
  • 250 to 350 margin over Prime
  • Quarterly ARM for 25-year fixed programs available 
  • Loan amount: $500K to $5MM
  • Up to 90% loan-to-value
  • No prepayment fee for loans with less than a 15-year fixed term
  • Minimum owner-user occupancy: 51%
  • Step-down declining prepays required

Owner-User programs

for Medical, Dental, & Veterinarian
Properties

Owner-User Bank Portfolio:

  • Purchase & Refinances
  • Important: This program uses 51% of the gross rents to be paid by the owner (not 51% of the owner-occupancy of the subject property)
  • Loan amounts from $500K to $25MM
  • 3, 5, 7, 10 & 15-year fixed terms
  • Up to 85% loan-to-value / max 20-year amortization 
  • Up to 75% loan-to-value / max 25-year amortization
  • Reduced prepayment penalties
  • Desktop appraisals for loan amounts under $1MM
  • Allows purchase properties that need owner-user TI’s (can be included into the loan amount, typically interest-only for for 12 months for TI’s)
  • Minimum owner-user rents: 51% of gross rents
  • Offering programs in 22 states (call for acceptable states/locations)
  • Business acquisition in equipment financing available
  • *We also offer another owner-user bank program that allows the dental business operating income to be used towards down-payment. Call for details.
  • Step-down declining prepays

SBA 504:

  • Nationwide program
  • Requires 51% owner-occupancy of subject property
  • Loan amounts: $500K to $10MM
  • Fixed, reset loan programs
  • 1st and 2nd TD combo: up to 90% CLTV
  • 1st TD: 10-year fixed
  • 2nd TD: 25-year fixed
  • Minimum owner-user occupancy: 51%
  • Acceptable markets: 50,000 minimum population
  • Minimum credit score: 675
  • Step-down declining prepays

SBA 7a:

  • Flexible, nationwide, quarterly adjustable program
  • Requires 51% owner-occupancy of subject property
  • Index WSJ Prime
  • 250 to 350 margin over Prime
  •  Quarterly ARM for 25-year fixed programs available 
  • Loan amount: $500K to $5MM
  • Up to 90% loan-to-value
  • No prepayment fee for loans with less than a 15-year fixed term
  • Minimum owner-user occupancy: 51%
  • Step-down declining prepays required

Owner-User programs

for Special Purpose Properties

Owner-User Bank Portfolio:

  • Purchase & Refinances
  • Important: This program uses 51% of the gross rents to be paid by the owner (not 51% of the owner-occupancy of the subject property)
  • Loan amounts from $500K to $25MM
  • 3, 5, 7, 10 & 15-year fixed terms
  • Up to 85% loan-to-value / max 20-year amortization 
  • Reduced prepayment penalties
  • Desktop appraisals for loan amounts under $1MM
  • Allows purchase properties that need owner-user TI’s (can be included into the loan amount, typically interest-only for for 12 months for TI’s)
  • Minimum owner-user rents: 51% of gross rents
  • Multi-state program (call for acceptable states / locations)
  • Business acquisition in equipment financing available
  • Step-down declining prepays

Church & Nonprofit
Properties

Bank Portfolio Financing:

  • Purchase & Refinances
  • Important: This program uses 51% of the gross rents to be paid by the owner (not 51% of the owner-occupancy of the subject property)
  • Loan amounts from $500K to $25MM
  • 3, 5, & 7-year fixed terms
  • Up to 75% loan-to-value / max 25-year amortization
  • Up to 85% loan-to-value / max 20-year amortization 
  • Reduced prepayment penalties
  • Desktop appraisals for loan amounts under $1MM
  • Allows purchase properties that need owner-user TI’s (can be included into the loan amount, typically interest-only for for 12 months for TI’s)
  • Minimum debt coverage ratio for churches, break-even, non-profits: 1.10
  • Minimum owner-user rents: 51% of gross rents
  • Offered in 22 states (call for acceptable states/locations)
  • Step-down declining prepays

Owner-User

Recent Transactions

Transaction Stories

Excerpts from Our Newsletter

About Our Company

Our team is highly experienced
and ready to help!

Marketplace Capital Group (MCG) is a privately owned commercial mortgage company that arranges multifamily, commercial, and private money mortgages. At MCG, we believe there is a better way to provide commercial real estate financing and strive to deliver a more valuable, less expensive way for real estate investors to finance their commercial properties. Since 2008, we have made sure to offer exceptional loan programs with some of the most competitive rates in the market! We also believe there is no “one size fits all” when it comes to income property loans, which is why we provide an extensive variety of commercial loan options. Let MCG save you or your client thousands of dollars by arranging a low, fixed-rate loan that fits your needs best!

Dan_headshot (cropped)

Dan LuVisi

President & Founder

Meet Our President

Dan has spent over 30 years as a former bank subsidiary president, mortgage banker, and commercial mortgage broker. During his career, he has managed multiple loan originators and has originated residential and income properties as well. The combined loan originations over the course of his management and personal loan production has exceeded 6 billion dollars. 

MCG was created with Dan’s vision to start a unique commercial mortgage company with an array of strategic, institutional alliances that would provide loan production channels for the most competitive and disruptive loan programs in the marketplace. 

He has been married to his wife, Jen, for the past 23 years. They have three sons and a beloved dog, Taquito. Their residence is in Rancho Palos Verdes, CA, where they have lived for 20 years.

Meet Our President

Dan has spent over 30 years as a former bank subsidiary president, mortgage banker, and commercial mortgage broker. During his career, he has managed multiple loan originators and has originated residential and income properties as well. The combined loan originations over the course of his management and personal loan production has exceeded 6 billion dollars. 

MCG was created with Dan’s vision to start a unique commercial mortgage company with an array of strategic, institutional alliances that would provide loan production channels for the most competitive and disruptive loan programs in the marketplace. 

He has been married to his wife, Jen, for the past 23 years. They have three sons and a beloved dog, Taquito. Their residence is in Rancho Palos Verdes, CA, where they have lived for 20 years.

Our Team & Our Mission

Since 2008, the MCG team has focused their time in supporting and arranging major multifamily and commercial loans nationwide. Our focus is to provide personalized solutions that cater to our clients’ needs. We do this by arranging loan programs for our borrowers that will provide them with the best value possible and offer some of the most competitve rates you’ll find in the marketplace. It is our priority to make sure our clients are well taken care of. We look forward to building a lasting relationship with you.

Dan_headshot (cropped)

Dan LuVisi

President & Founder

Direct: (310) 435-0595

Office: (310) 321-6750 ext. 2

Email: dan@mcglend.com

CA DRE #01320725

Jen_headshot

Jen Merritt

Manager of Operations

Office: (310) 321-6750 ext. 1

Email: jen@mcglend.com

Katie_headshot (1)

Katie Ray

Commercial Loan Advisor

Direct: (424) 292-8548

Office: (310) 321-6750 ext. 3

Email: Katie@mcglend.com

CA DRE #02100260

Dan LuVisi

President & Founder

Direct: (310) 435-0595 Office: (310) 321-6750 ext. 2 Email: dan@mcglend.com CA DRE #01320725

Jen Merritt

Manager of Operations

Office: (310) 321-6750 ext. 1 Email: jen@mcglend.com

Katie Ray

Commercial Loan Advisor

Direct: (424) 292-8548  Office: (310) 321-6750 ext. 3  Email: Katie@mcglend.com    CA DRE #02100260

Jeff_headshot (1)

Jeff McAlpin

Senior Commercial Loan Advisor

Direct: (415) 258-8331

Email: jeff@mcglend.com

CA DRE #00533244

Mark_headshot-removebg-preview (1)

Mark Levin

Senior Commercial Loan Advisor

Direct: (909) 289-1550

Email: mark@mcglend.com

CA DRE #00786547

Angie

Angelica Vines

Marketing

Office: (310) 321-6750 

Jeff McAlpin

Senior Commercial Loan Advisor

Direct: (415) 258-8331          Email: jeff@mcglend.com        CA DRE #00533244

Mark Levin

Senior Commercial Loan Advisor

Direct: (909) 289-1550 Email: mark@mcglend.com CA DRE #00786547

Angelica Vines

Marketing

Office: (310) 321-6750 

Rates, fees and terms are subject to change without notice. Marketplace Capital Group (”MCG”) is a division/dba of Marketplace Capital Partners, a CA DRE, Corp. license 01857042, commercial mortgage company. MCG offers an array of Multifamily, Commercial and Private Money Programs through strategic relationships with Banks, Credit Unions and other financial income property loan programs. All loan requests must meet lender's formal loan approval, requires borrower’s financials, credit worthiness, minimum debt coverage ratio, credit requirements and acceptable subject property collateral based on lender engaged appraisal request. Other conditions may apply. No APRs stated, recourse required, call for further loan program details. This landing page is intended for Commercial Real Estate Investors, DRE licensed Mortgage Brokers, Salespersons and Real Estate Brokers only and not for general public. Marketplace Capital Group Copyright 2022.

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