FAQs
Company
Who is i95 Capital
i95 Capital is an awesome business and commercial real estate financing brokerage platform. We identify, customize, and secure the very best financing solutions for our clients. We are easy to work with, we are available, we are flexible, and we are pleasant.
At i95 Capital, our financing recommendations are based on your business needs (not on anyone else’s), our easy applications take minutes, and there are no surprises. We minimize the paperwork requirements. We bring you the best available financing options available for your business or investments. We reduce the time to access funds.
We are serious about what we do. If you work with us, you will be glad you did. If you do not work with us, well, you will not know how happy you could have been, and we will be sad, but we will still wish you success with your business.
Why work with i95 Capital?
We are experts at what we do, work hard at it, do it well, and get results.
Most lenders offer limited selections of financing products that do not adapt to your needs. Some require weeks to process an application, and still might say no. Most private lenders charge fees that might not work for you.
At i95 Capital, we leverage vetted, best-in-class lenders to provide the best financing solutions for your business and real estate investments. Our capital recommendations are based on your needs. Our straightforward fee structure is designed to make transactions profitable for you.
i95 Capital is your partner in business capital and real estate financing. Find out more about us.
How does i95 Capital select its lending partners?
We work with a diverse network of reputable lenders, including banks, private credit, credit unions, family offices, private equity firms, private lenders, and institutional investors. Each partner is vetted to ensure they meet our standards for reliability, competitiveness, and service quality.
Does i95 Capital fund deals directly?
No. We act as a business and real estate capital advisory and placement platform, matching our clients with trusted lending partners and capital sources adapted to their needs.
How secure is my information?
All information that you share with i95 Capital is secured using bank-grade encryption protocols.
Do you sell my information?
No. The way we see it, your information is yours, not ours. We use your information to process the transactions with which you entrust us. We do not sell it, never have, and never will. Your information is safe with i95 Capital. See our Privacy Policy for more details.
Does applying for financing affect my personal credit score?
No. Applying for business financing with i95 Capital does not affect your personal credit score. In some cases, lenders might request a “hard” credit pull, but it will only be before transferring the funds to you and after you have reviewed and accepted their offer. To obtain and monitor your credit score today, i95 Capital recommends MyScoreIQ.
I would like to offer your financings to my customers. How do I apply?
Whether you already work with businesses or real estate investors, or you want to start this on your own, team up with i95 Capital to offer best-in-class financing solutions. Apply through our Financing Agent program.
Are you hiring?
We appreciate your interest in joining i95 Capital. We have openings for remote business development managers. Visit our careers page.
Business and Specialty Financing
What businesses qualify for working capital financing?
i95 Capital works with established businesses that demonstrate consistent revenue and responsible financial management. Lenders typically look for:
- At least one full year of operating history
- Regular business banking activity
- Sufficient cash flow to support repayment
- A credit profile that reflects sound financial practices
Exact requirements vary by financing type and industry. We review each application individually to match businesses with the most competitive options available.
What factors are considered besides FICO?
Many other factors that we consider include:
- Business revenues
- Years in business
- Industry
- Total existing debt
- Cash flow
- Percentage of business owned
- Business credit score
- Payment history
- Year-over-year trends
- and others…
What business financing sizes do you offer?
Financing sizes and terms vary depending on the financing type and the borrowers’ profiles. Our financing sizes range from $250,000 to $75,000,000. Depending on financing types, repayment terms vary from 1 to 30 years.
What information is required to apply for a new financing?
Required:
- Driver’s license – used to confirm identity
- Recent business bank statements – typically the last three months, used to review deposits and revenue consistency
- Voided business check – to set up funding and repayment
Sometimes requested:
- Prior year tax and personal returns – may be required for larger requests or additional underwriting
- Merchant processing statements – used when credit-card sales are part of your business revenue
Non-working-capital financings, such as SBA, or factoring programs, or Real Estate may require additional documentation. You will be able to upload the necessary documents directly during the online application. Our advisors will let you know if anything else is needed.
Does applying for financing affect my personal credit score?
No. Applying for business or commercial real estate financing with i95 Capital does not affect your personal credit score. However, lenders might sometimes request a “hard” credit pull. In those cases, they will request your authorization beforehand.
To obtain and monitor your credit score today, i95 Capital recommends MyScoreIQ.
How long does the business financing application process take?
Complete applications are generally reviewed within one business day, and offers are sent to you as soon as they are received from the lenders.
Processing time varies based on the financing types. For example, for businesses, Commercial & Industrial financing may take 30 days, while private credit will take 2-3 weeks, and short term capital will take 1 week. Similarly, in real estate financing, conventional financing takes longer than private lenders, and bridge financing is much faster than conventional loans. Government-backed DUS Agencies financing typically take longer, with up to 60 days for Fannie Mae and Freddy Mac.
Contact us for specific information about your specific loan.
Commercial Real Estate Financing
What real estate financings does i95 Capital offer?
To provide you with a competitive cost of money, i95 Capital offers one of the largest selections of business financing solutions anywhere. These include Acquisition Financing, Bridge Loans, Refinance Loans, Construction Financing, Permanent Financing, and CMBS Loans. One easy online application is all you need to get started, and our expert financing advisors will review your information and, with you, identify the best financing options for your business.
What types of properties are eligible for financing through i95 Capital?
i95 Capital offers capital solutions for most commercial real estate properties, including multifamily units, office buildings, retail spaces, commercial and industrial facilities, hospitality venues, residential real estate investments, mixed-use developments, land development, and many more. Our team evaluates each property type to match you with the most suitable financing options.
Do you provide financing for properties outside the I-95 corridor?
Yes. While most of our experience is concentrated from Maine to Florida, along the I-95 corridor, we frequently facilitate financing for properties nationwide, depending on project specifics.
What is DSCR Financing?
DSCR (Debt-Service-Coverage-Ratio) loans assess a property’s net operating income relative to its debt obligations. The ratio, calculated by dividing the property’s annual Net Operating Income by its annual debt service amount (which includes principal and interest), directly influences the amount and terms of the financing.
- Suitable for income-producing properties
- Terms vary based on DSCR ratios – some government-backed financings require smaller ratios
What CRE financing amounts does I95 Capital offer?
We primarily focus on commercial real estate financing in the $5 million to $50 million range. However, we consider both smaller and larger transactions on a case-by-case basis, with the ability to facilitate deals up to $500 million. Repayment terms vary from 1 to 35 years depending on the capital structure, asset type, and need specifics.
Does i95 Capital offer financing for ground-up construction projects?
Absolutely. We have specialized financing programs for ground-up construction, including construction-to-permanent loans. Our team works closely with developers to structure financing that aligns with the project’s timeline and budget.
How long does the real estate financing application process take?
Complete applications are generally reviewed within one business day, and offers are sent to you as soon as they are received from the lenders.
Processing time varies based on the financing type. For example, bridge financing is typically faster than conventional loans which take 4 to 6 weeks.
Government-backed DUS Agencies financing typically take longer, up to 60 days for Fannie Mae and Freddy Mac, up to 6 months for HUD.
Contact us for specific information about your specific loan.
Resources
How secure is my information?
All information that you share with i95 Capital is secured using bank-grade encryption protocols.
I want to know my FICO or 3-Bureau Credit Report
Easy. Simply visit MyScoreIQ and you will get it in minutes.
Warning
If you previously received financing for your business or commercial real estate investments from a different financing platform, we recommend you brace yourself for a shockingly different experience when working with i95 Capital.
Working with us might be simpler than expected, save you money, and even be fun. It might even compel you to return for more funding as you grow your business.