Loan Products



We work with you to address your most critical business needs

The mission of Pittman Financial Group is to be servant leaders in our communities by providing capital for business, real estate, and economic opportunities. To improve the quality of life through affordable and innovative financing.

  • Empower our communities
  • Provide capital & real estate
  • Provide leadership solutions
  • Network of private debt and equity partners
  • Paycheck Protection Program assistance

Finance Solutions

We offer best-in-class guidance and financing solutions for most commercial real estate property types.

Quality Customer Service

We’re An Energetic, Flexible, And Open-Minded Team Ready To Work Hard For Our Clients.

Agent Referral Program

Refer clients to PFG in exchange for a referral fee if the referral results in a funded closing.


Offer An Extensive
Loan Products Portfolio


Small Business Lending

This product provides affordable long-term capital with low down-payment requirements

  • Purchase, debt refinancing, new construction, purchase of equipment, business expansion
  • Up to 90% LTV
  • Loan amount up to $25 million
  • 25 – 30 year terms
  • 5-yr and 3,2,1 prepayment penalty
  • 25 – 30 year amortization
  • Fixed and variable rates
  • Credit score of at least 680 (having a lower credit score doesn’t disqualify you)
  • Lending to For-profit and Non-profit businesses
  • Minimum down payment
  • DSCR of 1.15+


This product is used to purchase or refinance such assets as retail, industrial, warehouses, senior living and more.

  • Purchase and refinancing
  • 65% to 85% LTV
  • Loan amount up to $50 million
  • Up to 15 year terms
  • Flexible prepayment penalty
  • 20 – 30 year amortization
  • DSCR of 1.25+
  • 30 – 45 day closings
  • Investment & Owner-Occupied properties


This is our short-term loan product used to purchase commercial property before refinancing to a long-term loan.

  • 65% – 75% LTV
  • Loan amount up to $20 million
  • 6 months – 36 months interest only
  • Flexible prepayment penalty
  • 30 year amortization
  • 15 – 45 day closings
  • Credit score of 650 or better

Stated Income

This is our in-house product that helps those businesses that were turned down for loans by traditional banks. This product closes fast and offer principal & interest payments throughout the life of the loan.

  • Up to 80% LTV
  • Loan amounts from $75, 000 - $5,000,000
  • 3,5,7 and 8 year fixed terms
  • 30-year amortization
  • No balloon
  • Flexible pre-payment
  • No FICO score minimum
  • 15 – 30-day closings

Investor 1-4 Units

Short term financing for  the acquisition of a property as well as financing the renovation costs.

  • FIX & FLIP
  • Up to 70% of appraised ARV
  • 13 months term (possibly longer)
  • Credit score of 620 or higher
  • Up to 90% LTC
  • Loan amounts from $75,000 - $2,000,000
  • One loan including acquisition and renovation
  • No prepayment penalty
  • Investment property only
  • Must be held in an entity
  • No owner-occupied properties
  • 5/1 ARM, 7/1 ARM and 30/30 fixed terms
  • No balloon initial fixed 5 or 7 years
  • Up to 75% LTV
  • Credit score of 650 or higher
  • Loan amounts from $50,000 - $2,000,000
  • No income or DTI calculations – 7/1 ARM
  • No tax returns or 4506
  • No limit on number of current loans
    Prepayment penalty will apply

how it works

Three Simple Steps To Get
The Process Going

General overview of the economics, structure, and credit of the capital request.
Loan Application
Rate and terms are issued. Full documents are requested and submitted.
Final credit decision is determined and the capital request is moved to closing.


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