Consulting for Commercial Financing & Loan Brokering of Business‑Purpose Projects—With Concierge-Level Service That You Deserve
Submitting information through this form begins your consultation and document‑review process. After evaluation, your completed file may be forwarded to suitable third‑party lenders for underwriting approval. We are a commercial‑loan broker and consulting firm. We do not fund, underwrite, or approve loans.
Our Promise
At the heart of our business is a simple promise: to guide you with honesty, transparency, and genuine care. We’re here to listen, understand your goals, and connect you with lenders and financing solutions that help you move forward with confidence. Your success is our priority—and we’re committed to being the trusted commercial lending and capital consultant that you can rely on every step of the way.
Your Partner in Commercial Financing guidance
Expert Loan Consulting for Business Owners and Investors
Tailored Loan Solutions
We specialize in preparing and packaging commercial loan files to meet the specific needs of your business or investment goals.
Streamlined Process
Our team ensures that your loan applications are submitted efficiently to licensed lenders, maximizing your chances of success.
Expert Guidance
Fix & Flip Financing (Through Third‑Party Lenders)
Fix & Flip finacing is designed for real estate investors who purchase distressed or undervalued properties with the intent to renovate and resell for profit. These loans prioritize the property’s value and project potential, allowing investors to move quickly and scale their investment business.
We consult with you to evaluate your project, prepare documentation, and submit to qualified lenders offering fix‑and‑flip financing. Terms, rates, and approvals are determined solely by those lenders.
Key Features Lenders May Offer
- Covers both purchase price and renovation costs
- LTV's based on After-Repair Value (ARV)
- Lenders May Offer Flexible terms designed for short-term investment projects
- Varying options based on experience levels and track record
- Available for single-family, multifamily, and mixed-use properties
Rental DSCR Loans (Through Third‑Party Lenders)
Rental DSCR (Debt Service Coverage Ratio) options are designed for real estate investors looking to build long-term rental portfolios without the income documentation required for traditional mortgages. Underwriting is based primarily on the property's rental revenue, making it more scalable for investors.
We help investors assess eligibility and package DSCR‑based rental loan applications for submission to participating lenders. Final underwriting and funding are handled by the lender.
Key Features
- Qualification based on rental income, not personal income
- Ideal for long-term buy-and-hold investors
- Allows title in an LLC or corporate entity
- Works for single-family, multifamily, and short-term rentals (Airbnb/VRBO)
- Scalable financing for building out rental portfolios
SBA 504 / SBA 7(a)- Loan Packaging Support
SBA 504 Loans
The SBA 504 loan program is ideal for businesses looking to purchase or improve major fixed assets like real estate, equipment, or large long-term projects. With a unique structure involving a bank and a Certified Development Company (CDC), 504 loans offer low down payments and long, fixed-rate financing.
We assist clients by connecting them with SBA‑authorized lenders. We do not originate or underwrite SBA loans.
Key Features Lenders May Offer
- Designed for commercial real estate, new construction, and heavy equipment
- Typically only 10% down, preserving cash for business operations (subject to lender approval)
- Long-term, fixed interest rates that reduce payment volatility
- Structured through a third-party participating lender + CDC for blended financing
- Can be used for large projects with high loan amounts
- Ideal for owner-occupied properties and expansion projects
SBA 7(a) Loans
The SBA 7(a) loan program is the most popular and versatile option for small business owners seeking affordable, long-term financing. Backed by the Small Business Administration, these loans support a wide range of needs—from working capital to business acquisitions
Key Features Lenders May Offer
- Can be used for working capital, equipment, inventory, or business acquisitions
- Lower down payments and longer repayment terms than traditional loans
- Flexible use of funds, including partner buyouts and debt refinancing
- Government-backed guarantees may help to improve approval odds (subject to lender underwriting)
- Available for startups and established businesses
- Customizable structures
Submitting information through this form begins your consultation and document‑review process. After evaluation, your completed file may be forwarded to suitable third‑party lenders for underwriting approval. We are a commercial‑loan broker and consulting firm. We do not fund, underwrite, or approve loans.
Who We Are
At Shafi Capital Consulting, LLC, provides commercial loan brokerage and consulting services for business‑purpose and investment‑purpose projects. Our focus is solely on business-purpose and commercial-purpose loans, ensuring that our clients receive tailored solutions to meet their unique financial needs. We help clients prepare loan packages, evaluate documentation, and connect with reputable third‑party lenders who handle all underwriting, approvals, and funding. We work with a network of licensed third-party lenders to facilitate the best financing options available. We do not originate, underwrite, or fund loans. All financing decisions are made exclusively by the lender.
We act as your partner throughout the commercial financing process. Our role is to review your project, help structure your loan file, and connect you with lenders whose programs match your needs. We streamline communication and support you at every stage — from initial intake through final lender review.
