USA Commercial Real Estate & Business Financing

Serving All The USA


We Are The Place to Go When the Banks Say No!
    Unique Properties and Out-of-the-Box Challenges Are Our Specialties


Giving You Financial Power


USA Commercial Funding is a full-service commercial lender, covering all small business lending needs. Our team will use any and all funding resources available in the market today to fund business purchases and partner buyouts, with and without real estate properties.

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Creative Financial Solutions


With over 20 years of experience in the mortgage lending  and banking industries, we have a proven track record of delivering funds on out of the box transactions. Our team with USA Commercial Lending is a USA lending leader and has all the government SBA and USDA Loan Sources, wholesale commercial lending, and private money sources to offer solutions to your funding challenges with unique properties or unusual situations.

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Seatle Mortgage Company J. Michael Holmes

A former licensed real estate and financial credit hour instructor


J. Michael Holmes is a former licensed real estate and financial credit hour instructor.

J. Michael Holmes is the managing director of USA Commercial Funding and is an experienced business and real estate lending professional. J. Michael is a former licensed real estate and financial credit hour instructor and he is always advising, educating, and supporting business clients as they develop a strategic plan for their business purchases, expansions, or real estate purchases or refinances. 

 

J. Michael has owned numerous businesses, from small to large, in multiple states and has personally bought and sold businesses as well as commercial real estate. His previous experience as a business owner himself has given him personal experience with all the loans available. This includes real estate purchases, partner and family buyouts, inventory and accounts receivable financing, ground-up construction, and remodeling. With this real-world experience, he will help guide you to a terrific solution. Call now to schedule an appointment: 206-953-2791.

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Always By Your Side


We are different than traditional banks and lenders and work outside the normal lending box when needed. More than other banks and brokers we have the resolve, experience, and ability to work out lender sources and implement programs for those unique and unusual business borrowers and situation properties. We also offer boutique correspondent lending and broker services for a wide range of commercial lending needs and requests. This includes alternative SBA financing sources, stated income, bank statements, P&L, cross-collateralization, and much more.

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When the Bank Says No, We Say Yes!
Construction Financing Ground Up- Remodeling-Partner Buy-Outs


We use any and all funding resources available in the market today to fund business purchases, partner, and family buyouts, with or without real estate properties. Our lending sources depend on the borrower's needs and qualifications, and can vary from government funding like SBA and USDA to Wall Street sources, insurance funds, hedge funds, commercial wholesale bank sources, private money, and bridge lenders.

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Unique and Out-of-the-Box Lending

Our special lending sources will bring us numerous opportunities for you to implement various creative loan programs for that unusual business or commercial investment property that you might need to purchase, remodel, expand, or refinance.

Some examples are as follows:

  • Business acquisitions and partner buy-outs
  • Municipal community donated land for hotel
  • Condo restaurants and retail spaces
  • Cannabis properties, retail, distributor, and farming
  • Veteran owned and advantage programs
  • Mixed use, gas stations, strip malls  
  • Franchise construction and expansion for multiple locations
  • Real Estate Purchases
  • Repurpose and environmental issue properties
  • Multi property portfolio blanket loans
  • Special construction expansion
  • Small business 2 years old expansion funds
  • Franchise expansion
  • Multiple homes on a single property
  • All automotive industrial properties
  • Stand alone offices: doctors, lawyers, veterinarians, dentists, chiropractors

Call us today to find out what our unique lending sources can do for your business.

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Real Estate Lending Options


We help businesses invest in real estate purchases with a variety of lending options. Some of these property types include:

  • Industrial & Manufacturing
  • Restaurants
  • Food & beverage service companies
  • Medical professional services
  • Retail
  • Strip malls
  • Daycare facilities
  • Adult homes
  • RV parks
  • Recreational facilities
  • Flag hotels
  • Motels
  • B&B's
  • Apartments
  • Churches
  • Mixed-Uses
  • Gas stations & oil related properties
  • Farms
  • Funeral homes
  • Data centers
  • Warehouses
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buildings

Project & Lot Development, Ground Up, and Major Remodels


Get funds for your lot development, ground up, and major remodels with USA Commercial Funding special lending sources. It is our business to help your business get funding for new construction, remodeling, expansions, or additions. Get in touch with our team today and grow your business!

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Experience and Know-How


With over 25 years experience in the mortgage and financing industry, and with a proven track record, USA Commercial Funding is a leading real estate and business lending leader. We will find the right program and lender from our vast funding sources; government SBA, USDA, conventional banks, wholesale lenders, hedge funds and private money.

If you are interested in buying your first business, refinancing an existing business, buying out a partner or family member looking for a property loan, getting cash to start a new business look no further. J. Michael Holmes is the best commercial broker you can find. He has the most diversified portfolio of lending sources and program options available in the banking world in the USA.

J, Michael has guided business buyers through SBA, USDA and conventional loans since 1998. He has experienced all the phases and aspects in the banking world from personal experience. Now with his personal business experiences added to his banking knowledge, he will be a great addition to your team to find the right lending option for you and your business.

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Get in Touch Today

Please send our team a message, and we will get back to you and answer your questions!

Call or Text 206-953-2791

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J. Michael Holmes

Managing Director

Office: 206-953-2791

Pacific Time

Mon - Fri
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Sat - Sun
Closed

Commercial Real Estate and Business Financing

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