Let us be the key to your success
We are dedicated to providing a smooth and efficient loan process from start to finish, so you can focus on what is important, growing your business
- Purchase or refinance owner-occupied commercial properties
- Access working capital using existing equity
- Align financing structure to cash flow—not the other way around
Modern, clean process. Clear communication at every step.
Trusted by local owners across retail, professional services, healthcare, and light industrial.
Why Small Businesses Choose First Choice Processing
Mortgage and real estate solutions shaped around your business—not a bank’s template.
We specialize in helping owners who are too established for “starter” products—but not large enough for a corporate banking desk. Every package blends financing, underwriting strategy, and property advisory in one streamlined experience.
SMB-first underwriting
We translate your financials, seasonality, and growth story into a clear lending case—even if income is split across entities or 1099s.
Integrated real estate strategy
We help you evaluate properties, negotiate structure, and align terms with your exit, expansion, or succession plans.
Streamlined, step-by-step process
We coordinate the paperwork, lenders, and real estate parties so you can stay focused on running your business.
How It Works
A clear, guided path from first conversation to funded deal.
We know you don’t have time for guesswork. Our process is built to keep you informed, move quickly, and avoid last‑minute surprises.
- 1. Discovery call (20–30 minutes) – We clarify your goals, timelines, and constraints, then recommend the right package.
- 2. Document & property review – You share financials and any target properties; we handle the analysis and lender preparation.
- 3. Options & scenarios – We present clear side‑by‑side offers with projected payments, timelines, and tradeoffs.
- 4. Execution & closing – We coordinate with lenders, appraisers, agents, and attorneys through closing.
- 5. Ongoing support – As rates or your business changes, we’re here to revisit structure and opportunities.
Modern, clean process. Clear communication at every step.
“We turned a stressful refinance into a growth opportunity.”
“Our payments were climbing and we weren’t sure if buying a second location was realistic. First Choice Processing walked us through multiple scenarios, helped us restructure our existing mortgage, and secure financing for a new space—without overextending cash flow. It felt like having a CFO and real estate team in one.”
Owner, multi-location professional services firm
FAQ
Answers to common questions from small business owners.
If you don’t see your question here, include it in the form and we’ll cover it on our first call.
What types of small businesses do you work with?
We primarily work with owner-operated small businesses, including retail, restaurants, professional services, healthcare practices, light industrial, and local franchises. If your business occupies or plans to occupy the property, we can usually help you evaluate financing and real estate options.
Is there a fee for the initial package or consultation?
No. Our SMB Refinance Review, Acquisition & Expansion Package, and Portfolio & Exit Strategy Session are all offered at no upfront cost. If there are any fees related to your eventual loan or transaction, we’ll outline them clearly before you commit to moving forward.
Will exploring options impact my credit score?
Our initial analysis and strategy work can typically be done with soft pulls, existing documentation, and public records. When a hard credit inquiry is required for a formal application, we’ll discuss timing and impact so you can make an informed decision.
How fast can we move from first call to closing?
Timelines vary by lender, property type, and documentation readiness, but most clients see clear financing options within 7–10 business days, and closings often occur within 30–60 days. If your situation is time-sensitive, we’ll prioritize lenders and structures that can move faster.
Can you work with my existing real estate agent or attorney?
Yes. We regularly collaborate with our clients’ existing advisors. Our role is to bring a financing and structuring lens to the table while your agent and attorney focus on negotiation and legal protection.
Get Started
Request your custom SMB lending & real estate package.
Share where your business is today—and where you’d like it to be in 3–5 years. We’ll respond with specific lending, refinancing, and property strategies tailored to your goals.
- No obligation, no upfront cost
- Built specifically for small business owners
- Clear roadmap you can act on immediately
Tell us about your business.
A few questions now can save weeks during underwriting and negotiation.
By submitting this form, you consent to being contacted about financing and real estate solutions by First Choice Processing.