Serving Baltimore, MD
Business and investment property loans in Baltimore
Unsecured business funding supports eligible businesses in Baltimore; commercial real estate and DSCR financing support eligible investment properties. Our team is based in Fort Worth, Texas and works with you online and by phone. Terms depend on your business or property and underwriting.
Check what I qualify forChoose financing for your next step
- Which financing fits my goal?
- Working capital and business lines of credit support business expenses. Equipment financing supports equipment purchases. DSCR financing focuses on investment rental income; bridge and renovation financing serve short-term property plans. Commercial property loans can support eligible purchases and refinances.
- Where is financing available?
- Unsecured business funding is available in all 50 states. Real estate loans are available in every state except CA, ID, MI, MN, NV, NJ, OR, SD, UT, VA.
- What happens after I request financing?
- An advisor reviews your requested amount, purpose and supporting information, then explains program fit and the next documents needed. A quote or calculator result is not an approval or commitment to lend; final terms require underwriting.
Information to prepare
- Property address and purpose
Identify a purchase, refinance, renovation or construction request and the intended property use.
- Income or project information
Prepare leases, a rent roll or available operating information to explain property cash flow.
- Transaction and ownership details
Include the purchase contract or current mortgage information and entity documents where applicable. The final checklist is specific to your file.
Use the secure application when documents are requested. Do not include Social Security numbers or financial documents in a general contact message.
Unsecured business loans in Baltimore
Working capital, lines of credit and business capital from $20,000 to $2,000,000 — no collateral, light documentation, funding in as little as 24 hours after approval.
Small business loans in Baltimore, MD
Baltimore small business owners can compare working capital, business lines of credit, equipment financing and term-style capital from $20,000 to $2,000,000 through one local loan store — one application, real options.
Merchant cash advance in Baltimore
A merchant cash advance gives Baltimore restaurants, retailers, contractors and service businesses fast capital based on future sales, with factor-rate pricing and daily or weekly payments. Already carrying advances? MCA consolidation is available for combined balances of $30,000 or more. Learn about merchant cash advances.
Baltimore commercial real estate loans
Purchase or refinance retail, office, industrial, mixed-use and multifamily property at competitive rates, plus bridge and closed-end second options to tap equity.
DSCR and investor loans for Baltimore rentals
DSCR loans from $75,000 qualified on rental income, fix & flip and bridge financing. DC-adjacent workforce housing with resilient rental demand.
Lending in Baltimore
Baltimore's lending demand is driven by its rowhouse rental stock, port and logistics businesses, and the medical and university corridors around Johns Hopkins.
Baltimore properties we finance
Rowhouse rentals
1–4 unit rowhomes held as long-term rentals — a natural fit for DSCR loans qualified on rent.
Mixed-use storefronts
Ground-floor retail with apartments above along neighborhood main streets.
Industrial & flex near the port
Warehouse and flex space serving port, trucking and distribution operators.
Example Baltimore scenarios
Rowhouse portfolio refinance
An investor refinances several leased rowhomes into one DSCR loan, qualified on rent instead of tax returns.
Contractor working capital
A renovation contractor uses unsecured working capital to buy materials while waiting on progress payments.
Illustrative scenarios, not completed client transactions — terms depend on your property, revenue and credit.
Common questions
Can I use a DSCR loan for a Baltimore rowhouse rental?
Yes. DSCR loans start at $75,000 and qualify on the property's rental income, which suits leased 1–4 unit rowhomes.
Do you finance mixed-use buildings in Baltimore?
Yes. Retail-plus-apartment buildings can be purchased or refinanced through commercial real estate programs, at competitive rates.
Is there a business loan store near Baltimore?
Yes. The Local Loan Store™ serves Baltimore, Maryland businesses and investors. Start online and work with a loan advisor by phone — no branch visit needed.
Can I get an unsecured business loan in Baltimore?
Yes. Unsecured business capital from $20,000 up to $2,000,000 is available, with funding in as little as 24 hours after approval.
Do you make commercial real estate and DSCR loans in Baltimore?
Yes. Commercial real estate loans are offered at competitive, market-driven rates, and DSCR rental loans start at $75,000, qualified on the property's rent instead of tax returns.
Can I get a merchant cash advance in Baltimore?
Yes. Baltimore businesses with steady card or bank deposits can get a merchant cash advance based on future sales, priced with a factor rate rather than an interest rate. Existing advances totaling $30,000 or more can also be reviewed for MCA consolidation.
What small business loans are available in Baltimore, Maryland?
Working capital, business lines of credit, equipment financing and term-style business capital from $20,000 to $2,000,000, usually with a simple application and recent bank statements.