Licensed Commercial Mortgage Broker

Commercial
Real Estate
Financing

Over $500M in closed transactions. 20+ years structuring complex deals across SBA loans, private money, multifamily, and conventional commercial real estate.

$500M+
Closed Volume
20+
Years Experience
$50M
Max Loan Size
Michael Watkins
Michael Watkins
Commercial Mortgage Broker · Los Angeles
📞 (619) 980-1105
7(a) & 504
SBA Specialist
$200K–$50M
Private Money
$3M–$50M
Investor LOC
2 Weeks
Fastest Funding
Nationwide
Lending
What We Offer

Financing for Every Deal

Whether you need a fast SBA loan, private money for a time-sensitive deal, or a large investor line of credit — I have the products and lender relationships to get it done.

Fastest · App-Based
Quick SBA Loans
$50,000 – $350,000
SBA 7(a), Bank Term Loans, and Lines of Credit through SmartBiz Bank — the #1 SBA platform under $350k. Fund in as little as 2 weeks.
⏱ As fast as 2 weeks
Private Money
Hard Money Loans
$200,000 – $50,000,000
Fast, asset-based lending for all commercial property types. Up to 75–80% LTV. Rates from 8.99%. When conventional financing isn't an option.
⏱ 2–4 weeks
Investor Line of Credit
Portfolio Line of Credit
$3,000,000 – $50,000,000
Revolving line of credit for experienced real estate investors. Multifamily, condos, rental portfolios. Non-recourse. Up to 80% LTV. 21-month term.
⏱ 3–4 weeks
Commercial Real Estate
CRE & SBA 504
Up to $50,000,000+
Multifamily, mixed-use, retail, industrial, office, and owner-occupied. SBA 504, conventional, and bridge financing with access to a broad lender network.
⏱ 4–8 weeks
Powered by SmartBiz Bank · #1 SBA Platform Under $350k
Need a Fast SBA Loan Under $350,000?

My partnership with SmartBiz Bank gives your clients access to SBA 7(a) loans, bank term loans, and lines of credit — fully online, funded in as little as 2 weeks.

Apply Now →
All Products

Commercial Financing
Solutions

From $50,000 SBA loans to $50M private money lines — I work with a broad network of lenders to find the right structure for every deal.

$500M+
Closed Volume
20+
Years Experience
6
Product Lines
Nationwide
Lending
SmartBiz Bank Partner
SBA 7(a) Loans
$50,000 – $350,000
Working capital, debt refinance, equipment. 10-year terms, competitive rates. Funded in 2–6 weeks through my SmartBiz partner link.
⏱ 2–6 weeks
SmartBiz Bank Partner
Bank Term Loans
$30,000 – $300,000
Fixed-rate, 2–5 year terms. No prepayment penalty. Working capital, inventory, remodeling, hiring. Funds in ~2 weeks.
⏱ ~2 weeks
SmartBiz Bank Partner
Business Line of Credit
$50,000 – $100,000
Revolving access to capital. No withdrawal fees. Cash flow management or expansion. Funds in 3–5 business days.
⏱ 3–5 days
Private Money
Hard Money Loans
$200,000 – $50,000,000
Asset-based lending for all commercial property types. Up to 80% LTV. Rates from 8.99–12.5%. Fast closings for time-sensitive deals.
⏱ 2–4 weeks
Institutional-Grade · Exclusive Access
Investor Line of Credit
$3,000,000 – $50,000,000
Multifamily, condos, rental portfolios. Non-recourse. 80% LTV. SOFR+500. For experienced investors with 3+ transactions.
⏱ 3–4 weeks
Commercial Real Estate
SBA 504 & Conventional
Varies by Deal
Multifamily, mixed-use, retail, industrial, office, owner-occupied. Broad lender network for complex deals requiring creative structuring.
⏱ 4–8 weeks
In Partnership with SmartBiz Bank · #1 SBA Platform Under $350k

Fast SBA Loans
$50,000 – $350,000

App-based. No branch visits. Fund in as little as 2 weeks. Apply directly through my partner link.

Apply Now →
#1
SBA Platform <$350k
2 Weeks
Avg. Funding Time
100%
Online Process
4 Products
Available
Products

Four Ways to Access Capital

SBA 7(a)
$151,000 – $350,000
Working Capital · Debt Refinance · Equipment
10-year term, variable rate. No prepayment penalty. BDSCR 1.1x + GDSCR 1.0x required. Must be 100% U.S. citizen owned.
⏱ 30–40 days
SBA 7(a) Sub 150
$50,000 – $150,000
Working Capital · Debt Refinance · Hiring
Streamlined underwriting. BDSCR 1.1x only — no global cash flow required. Same great SBA rates and 10-year terms.
⏱ ~2 weeks
Bank Term Loan
$30,000 – $300,000
Working Capital · Remodeling · Inventory
Fixed rate. 2, 3, or 5 year terms. No prepayment penalties. More flexible use of proceeds than SBA.
⏱ ~2 weeks
Line of Credit
$50,000 – $100,000
Cash Flow · Expansion · Revolving Access
Revolving. No withdrawal fees. Variable rate. 6% origination + $750 closing. 1% annual management fee after year 1.
⏱ 3–5 business days
Eligibility

Do I Qualify?

Credit Requirements
✓680+ FICO (weighted avg. of all guarantors)
✓170+ Business LiquidCredit Score
✓No open tax liens or outstanding judgments
✓No bankruptcy in past 3 years
✓No recent charge-offs or settlements
Business Requirements
✓3+ years in business
✓$250,000+ gross annual revenue
✓For-profit U.S. business
✓Positive cash flow on bank statements
✓No outstanding tax liens
Documents Needed
✓1 year personal tax returns (all 20%+ owners)
✓2 years business tax returns
✓6 months business bank statements
✓Interim P&L statement
✓Current debt schedule
✓Color copy of driver's license (front & back)

Ready to Apply?

Start your application through my direct SmartBiz partner link. Fully online. Questions? Call me first.

Apply Now →

📞 (619) 980-1105 · Same-day response

Private Money · Hard Money Loans

Fast Asset-Based
Lending

When conventional financing isn't an option or the timeline won't allow it — private money gets deals done. All commercial property types. Nationwide.

$200K–$50M
Loan Range
Up to 80%
Max LTV
8.99–12.5%
Rate Range
2–4 Weeks
Typical Close
Property Types

All Commercial Property Types

Multifamily
Mixed Use
Retail
Office
Industrial
Self-Storage
Hospitality
Fix & Flip
Bridge Loans
Land
Owner-Occupied
Warehouse
Requirements

General Guidelines

Loan Parameters
✓Loan amounts: $200,000 – $50,000,000
✓Max LTV: 75% – 80% depending on property
✓Rates: 8.99% – 12.5%
✓All commercial property types eligible
✓Nationwide lending
Borrower Requirements
✓Asset-based — property value drives approval
✓Less emphasis on credit vs. conventional
✓Experience preferred but not always required
✓Personal guarantee typically required
Best For
✓Time-sensitive acquisitions
✓Bridge financing
✓Value-add and transitional properties
✓Borrowers who don't fit conventional mold
✓Recent credit events

Ready to discuss your deal?

Every private money deal is unique. Call or reach out and I'll give you a straight answer on what's possible.

Institutional-Grade · Exclusive Access · Not Broadly Marketed

Credit Lines for
Real Estate Investors

Large revolving lines of credit designed for experienced investors and operators to acquire, renovate, and scale multifamily and residential investment properties — without capital constraints.

$3M–$50M
Line Size
SOFR+500
Interest Rate
Up to 80%
Max LTV
21 Months
Term Length
Non-Recourse
Structure
🔒
Exclusive Access. Not Broadly Marketed.
This program is available through select channels only. If you're actively acquiring or looking to scale your portfolio, contact me directly to discuss structure, strategy, and availability.
Program Highlights

Fund More Deals. Scale Faster. Build Wealth.

Program Terms
✓Line Size: $3,000,000 – $50,000,000
✓Use: Acquisition + Rehab · Multifamily / Residential Investment
✓Max LTV: Up to 80%
✓Interest Rate: SOFR + 500~
✓Origination Fee: 1 Point
✓Term Length: 21 Months
✓Time to Close: 3–4 Weeks
✓Lien Position: 1st
✓Recourse: Non-Recourse
✓Markets: Nationwide Urban/Suburban
✓Legal Fee Deposit: Required
✓Appraisal: Case-by-case
✗No New Construction
Ideal Borrower Profile
✓Active real estate investor / operator
✓Experience with 3+ properties / transactions
✓Minimum personal FICO score of 680
✓Minimum liquidity of 10% of the LOC size
✓Focused on value-add / repositioning strategies
Eligible Assets
✓Multifamily
✓Townhomes
✓Condo Portfolios
✓Apartment Buildings
✓Rental Portfolios
✓& More
Execution-Focused Capital for Serious Operators

Ready to Scale Your Portfolio?

This program is available through select channels. Contact me directly to discuss whether it's the right fit for your strategy.

📞 (619) 980-1105

Michael.CRELoans@gmail.com

Michael Watkins
$500M+
Closed Volume
About Michael

20+ Years Getting Commercial Deals Done

I'm Michael Watkins — an independent commercial mortgage broker based in the Los Angeles metro area specializing in SBA loans, private money, and commercial real estate financing.

Over the past two decades I've worked both inside major institutions and as an independent broker, giving me a perspective on lending that most brokers simply don't have. I've closed over $500M in transactions across SBA 7(a), SBA 504, multifamily, conventional commercial, private money, and more.

As an independent broker I'm not tied to any single lender — which means I work across a broad network to find the best structure and terms for each deal, and manage every transaction personally from first call to closing.

Career History

Experience

2014
Licensed Mortgage Broker
Del Mar Commercial · Self-Employed
Founded and operated independent commercial mortgage brokerage. Closed over $500M in commercial transactions specializing in SBA, private money, multifamily, and conventional commercial loans.
2013
VP Relationship Manager
JPMorgan Chase
Managed commercial banking relationships and business development for the Los Angeles market.
2012
Business Development Officer
HSBC
Commercial banking business development focused on growing the commercial loan portfolio.
2006
Commercial Loan Officer
US Bank
Originated and structured commercial real estate and business loans over four years, building foundational expertise in commercial lending.
Get In Touch

Let's Talk About
Your Deal

Whether you have a deal in hand or are just exploring options — reach out. I'll give you a straight answer on what's possible.

Direct Contact
📞
Phone
(619) 980-1105
✉️
Email
Michael.CRELoans@gmail.com
📍
Location
Los Angeles Metro · Licensed Nationwide
🔗
LinkedIn
michael-watkins-66a50b7
⏱
Response Time
Same day on all inquiries
Quick Apply — SBA Loans Under $350k
Apply via SmartBiz →
Send an Inquiry
✓
Inquiry Received

Thank you. Michael will be in touch same day.