Sample Table

Legal StructureTypes of CollateralTypical Loan-to-Value Ratio
Collateral is often real estate but can include equipment, inventory and accounts receivable. May require the owner to pledge personal assets. Real estate: up to 90%
Commercial real estateThe property being purchased, developed or remodeled.
  • Hard-money loans: 60% to 80%
  • Bank loans: Up to 80%
  • SBA loans: Up to 90%