Nationwide Commercial & Investor Financing

Commercial financing,
handled with care.

I personally review every deal, then work through it with one of NEXA Lending's in-house commercial lenders. NEXA Lending provides access to a large network of commercial lenders, for deals nationwide where NEXA Lending can legally fund.

Submit a Deal Call 425-260-3482

Loan Programs

Financing for a broad range of properties and borrowers

From a single rental to a mixed-use building, there's often more than one way to structure a deal. These are the scenarios I see most.

Multifamily (5+ units)

Purchase and refinance financing for apartment buildings and larger residential income properties.

Mixed-Use

Properties combining residential and commercial space, from main-street storefronts to larger developments.

Example property: Retail, Office and Industrial

Retail, Office & Industrial

Financing for investor-owned commercial properties, including warehouses, flex space, and strip centers.

Example property: SBA 7(a) and 504 (Real Estate)

SBA 7(a) & 504 (Real Estate)

SBA-guaranteed programs that business owners may use to buy or refinance owner-occupied property. See Business Loans for other SBA uses.

Bridge Loans

Short-term capital for transitional properties, repositioning, or timing gaps before permanent financing.

Construction

Ground-up and heavy-renovation financing for qualified builders and developers.

DSCR / Investor 1–4 Unit

Loans qualified primarily on property cash flow rather than personal income documentation.

Hard Money / Private

Asset-based private capital for situations that fall outside conventional guidelines.

Fix-and-Flip

Acquisition and rehab funding for experienced investors on residential value-add projects.

Owner-Occupied Commercial

Financing for businesses purchasing or refinancing the building they operate from.

Something else?

Unusual property or complex situation? Send it anyway. Submit a deal →

Business Loans

Financing for the business itself

Not every need is tied to real estate. These options are based on the business: its deposits, cash flow, and history.

Revenue-Based Business Loans

Qualified primarily on deposits into your business checking account. Bank statements show cash flow instead of tax returns.

Unsecured Loans & Lines of Credit

Working capital or a revolving line without pledging real estate, for inventory, payroll, equipment, or growth.

SBA 7(a) & 504

SBA-guaranteed loans for working capital, equipment, business acquisition, or owner-occupied real estate, subject to SBA and lender guidelines.

All business loans are subject to lender review and approval. Terms vary by program and borrower. Submit a business loan request →

How It Works

Three straightforward steps

Submit your scenario

Share the basics: property, location, amount, and purpose. It takes a few minutes.

Review & match

I review it personally, ask any follow-up questions, then review it with one of NEXA Lending's in-house commercial lenders to identify suitable options.

Move toward closing

You get clear feedback on options and next steps. I work alongside the in-house lender with you through closing.

Submit a Deal

Tell me about your financing need

A rough outline is fine. I'll follow up personally, usually by phone, to talk through the details.

Prefer to talk first? Call 425-260-3482 or email jsgray@nexalending.com.

Submitting a scenario is not an application and does not obligate you in any way.

About

Jason Scott Gray

Branch Manager, NEXA Lending · NMLS 118354

I've been in lending since 1993. Over that time I've learned that good financing starts with listening: understanding the property, the business plan, and what the borrower actually needs.

I personally review every deal that comes in. Then I review it with one of NEXA Lending's in-house commercial lenders, and I stay involved, working with them and with you through closing. NEXA Lending provides access to a large network of commercial lenders.

I'll tell you plainly what looks workable and what doesn't, and keep you informed along the way.

My office is in Kirkland, Washington, and I work with borrowers nationwide, in states where NEXA Lending can legally fund.

FAQ

Common questions

Who actually funds the loan?

I review your deal personally, then with one of NEXA Lending's in-house commercial lenders. NEXA Lending provides access to a large network of commercial lenders, and the right source depends on the property, the borrower, and the structure that fits.

What does it cost to submit a deal?

Nothing. Submitting a scenario for review carries no cost or obligation.

What information should I have ready?

Property type and location, the loan amount you need, purpose (purchase, refinance, cash-out, construction), and any rent rolls, operating statements, or project budgets you have. A rough outline is enough to start.

Can you quote me a rate?

Not from a website. Pricing and terms depend on the property, the sponsor, and the market at the time. Once the scenario is reviewed, you'll get a straight answer on what's realistic.

Do you finance deals outside Washington?

Yes. We finance commercial deals nationwide, in states where NEXA Lending can legally fund. Send the details and I'll confirm how your state and property fit.

Is my information kept confidential?

Yes. Your information is used only to evaluate and place your financing request.