Finance Broker

Given Innovative Lending's  extensive experience in the financing process, our clients benefit greatly from our responsible method of striving to comprehend both the short-term and long-term financial and investment plans for a particular property before suggesting a structure for the projected financing.  We have creative ways to help you get the funding you need for your projects. Contact us for a strategy session to see what funding option works best for you or click on the links below for more information.


Commercial Mortgages

Our Commercial Real Estate Finance Division focuses in the assignment of commercial mortgages over $1 million for office, retail, industrial, multi-family apartment buildings, and specialty properties. We organize equity involvement, construction loans, refinance loans, acquisition loans, and permanent financing for both owner-occupied and investment properties nationwide.

Innovative Lending differentiates itself in the commercial mortgage business with outstanding follow-up commitment. We quickly and smoothly resolve the inevitable difficulties that can arise through the various financing options and work with clients until completion of the project. From negotiating the fine points of a lender's desire to suspending monies needed for maintenance repairs to the positive resolution of a lender's concern over an existent environmental issue, Innovative Lending is your guide, your supporter, and the finder of resolutions to all your unexpected issues. Commercial Loan Portal to 750 Commercial Lenders. This commercial mortgage loan system is exactly what you need.  Seven hundred and fifty commercial lenders await your application. Simply input your needs and you will get a list of at least 20 lenders who  are interested in your deal. Submit your request today.


Earnest Money Deposit Funds Available to Real Estate Investors in All 50 States

 Capital available for Ernest Money Deposits with the following parameters:  


*        $2,500 (normal minimum)-$50,000 (normal maximum)        
*        No upfront fees. No penalties if escrow falls through. Quick funding decisions.
*        Not a loan; no points, no interest, no monthly payments;
*        Maximum time for use of our funds is 30 days. More time can be made available, on a case by case basis. 

Home Mortgages

Our Residential Real Estate Finance Division (See notes in footer) takes great pride in our levels of both quality and service by offering a wide variety of loan products at the most competitive market rates. We work with many organizations and have no obligation to any particular lender or service provider. Therefore, we provide objective advice to present you with the best options possible for your needs and situation. We empower our vast clientele of borrowers with the unbiased facts necessary to make well-informed financial decisions. Click here to be directed to one of our preferred residential lenders. (This is a lender we recommend to help you with your Residential Mortgage Loans. Please make sure to enter Pilar Tobias as the person who referred you. This will keep me in the loop in case you need my help in following up on the status of your loan)


First Time Home Buyer Programs (Applies to anyone who has not had home ownership in the last 3 years) Why rent when you can own your home and have pride of ownership: The last couple of years we have seen the rents increasing in all areas of California. In almost all cases, you can purchase the home you want and the monthly payment will be less than rent on a comparable property.

From loan closing and funding to mortgage processing and underwriting, Innovative Lending professionally and competently advances your transaction, all the while keeping you informed through every process milestone. We have no priority higher than each client on an individual level, and are therefore highly committed to establishing satisfying, enduring customer relationships. Given this fact, you can feel entirely secure that you will receive the highest quality service and attention.


203K Loans


If you've heard the term 203(k), FHA 203k, 203k loan or 203k renovation mortgage, then you're one step ahead of most Americans. This special product offering from HUD for fixing up housing stock has been around since the late 1970s, yet many real estate agents know nothing about it, and the public is in the dark. 

Even if you've heard of the 203k, you may not know much - if anything - about it. That's all okay. We're here to let you know what it means and how it can help home buyers (and even sellers!). What is the FHA 203k?


Request Your Report & Score Now

ScoreNavigator is a credit analysis tool designed for consumers and loan originators. It analyzes the electronic version of a credit report and recommends the quickest way to achieve a credit score and to achieve the score needed for loan approval. It is a scientific analytical tool. Its recommendations are based on the understanding of credit score calculations and how different factors affect scores either positively or negatively.


Down Payment Assistance

Get assistance with the down payment on the purchase of your home. Restrictions apply. Let us help you open the door to home ownership.  Get More Information


Lease Option

This basically means you are leasing or renting a property with an option to buy it at a future date. The future price of the property should be fixed at the time the lease-option is signed.

Usually there is an up-front payment of some amount to purchase the option. The amount can vary. Sometimes the monthly payment is larger than normal and the excess is used to purchase the option. In some cases, the option money can be applied toward the down payment for the later purchase of the home.

Lease-options are usually done during a slow real estate market. During a hot market, the seller can simply sell the home in the regular manner.


Business Funding


Build your Business Credit: Maximize Business Credit Approvals by Following the 4 Bulletproof Steps in the Guide. Click here to download your free guide


Small Business Loans Made Easy: Ready to grow your business? It's free–prequalify without affecting your credit! Apply to multiple lenders with one application. Pick what you want to apply for and complete one, simple application — no matter how many lenders and products you choose. No repeating information. No wasting time. Click to apply


ALTERNATIVE COMMERCIAL FUNDING: Alternative lending is a broad term used to describe the wide range of loan options available to consumers and business owners outside of a traditional bank loan.


Funding solutions for every business and every situation. Get Started Our process takes only 3 quick and easy steps to get your small business funding


Term Loan Program: INVEST IN YOUR BUSINESS OR PAY OFF HIGH INTEREST DEBT: Are you paying more than 10% interest on your credit cards? Term Loans could help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply. Apply Here

Business Credit ProgramQualify for up to $250,000 in Business Capital Over $50 Million Funded Annually. Apply Here


Retirement Funding Finance: Finance your business through your retirement account with no penalties or taxable distributions. This program starts your business debt-free allowing you to reach profitability faster with no loans, no banks and no credit involved.


​Kabbage-Small Business Funding: Accessing small business funding shouldn't be complicated or time-consuming, so Kabbage developed a simple way to get up to $250,000, Click Here to Apply


Business Credit Lines: We work with over a hundred national, regional, and local lenders and credit unions. Our experts are consistently tracking each and every lender’s trends and requirements, and use this data to optimize your financing mix so that you receive the most capital, with the lowest interest rate, as quickly as possible. CLICK HERE to Submit an Application Online!


Be Your Own Bank Strategies: A robust financial strategy designed to put you in 100% control of your finances. You’ll learn how to keep more of the money you make, and stop losing it to taxes, banks, and lenders.


Equipment Financing:  We offer the following- Cash out refinances of existing equipment. Purchases of new equipment. Expansion capital & more.  Request your Equipment Financing


Corporate Loans Service: For those that are looking for corporate real estate or business purpose financing, we have a consortium of select companies and individuals with expertise in a variety of funding environments. Each member of this group of professionals has been carefully selected for their expertise, knowledge and contacts with their specific niche markets. This elite group works as a team to find solutions for those in need of financing. We consult on a confidential basis and utilize each other's resources to insure the best possible chance of success. More Information


​Get Credit for Your EIN that’s Not Linked to Your SSN: The Credit Suite Business Credit Builder helps you build your business credit (that’s not linked to your SSN) step by step using a proven, field tested, business owner approved, and highly personalized process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided every step of the way, simplifying your experience of obtaining business credit. Get more information


Send us your loan or project scenario: Get PreApproved before you look for your next project.