Real Estate

This financing allows leveraging commercial or residential property equity to support business growth and expansion. It drives positive community impact, supports strategic real estate investments, and aligns funding with your mission and values.

Real Estate

Enables leveraging commercial or residential property equity.
Provides capital to support business growth and expansion.
Helps drive positive community impact alongside financial goals.
Supports strategic real estate investments for your business.
Aligns financing with your mission and values.

Key Features

Borrow up to 70% of your property’s equity—tap into your building’s strength to propel your organization forward.
Fixed interest rate starting at 9.6% annually—transparent and predictable. (Final APR may be higher when fees are included, based on your credit and collateral.)
Flexible repayment schedule: choose weekly or monthly automatic ACH payments for convenience.
Fully amortized over a 36-month (3-year) term—steady payments cover both principal and interest
Suitable for both commercial and residential properties

How It Works

Quick, straightforward application and underwriting
Payments from the beginning, so you know exactly what to expect each cycle.
Support for businesses and nonprofits who want to leverage existing real estate for growth or strategic financial needs.

With a Benefund real estate equity loan, your property powers your progress—and fuels positive change beyond your walls.

Benefund Thunderbird Airbnb Second Lien Cash-Out Loan

Loan Type: Business purpose loan; 1st and 2nd lien eligible; cash-out permitted.

Eligible Properties: Residential investment properties only—no primary or secondary homes.

Term: 36 months; partially amortizing.

Interest Rate: 14.88%.

Combined Loan-to-Value (CLTV): Up to 75%.

Origination Fees: 5% with 1% broker commission or 6% with 2% broker commission.

Required Documentation: None beyond property inspection and title review.

Licensing: Not required.

Submit loan applications on behalf of your clients.

Register on the Real Estate Loan website to instantly receive your unique Broker ID.

Schedule property inspections conveniently online.

Receive approval or alternative loan offers quickly; close within a few business days.

Key Features Resided commercial under 1M

Loan Structure
Loan Size	Up to $13 million Up to 65% LTV	Up to $5.5 million Up to 90% LTV
Interest Rates	5-year CMT + 2.50% to 4.00%, fixed for 5 years Rate resets at end of year 5	25-year fixed rate, set monthly by SBA (typically 10 year Treasury + 2.75%)
Loan Term	10 years	25 years
Amortization	Amortized over 25 years	Amortized over 25 years
Payment Structure	Monthly principal and interest	Monthly principal and interest
Loan Fees	1.0% to 2.0%	2.65% *
Prepayment	Hotels: 5% to 1% declining penalty. Others: No penalty	Declining prepayment penalty

Thunderbird Airbnb

Loan Structure & Terms
Loan Size	$1 million to $15 million
Interest Rates	Fixed for five years based on the 5-Year CMT + 2.00% to 2.50% For 10-year term loans, rate resets after year 5 Cannabis-Related Properties: 10.5% to 12.0%
Term Length	5 to 10 years
Amortization	30 years for multifamily properties 25 years for all other property types
Payment Structure	Monthly principal and interest
Loan Fees	1.0% - 2.0%
Prepayment	No prepayment penalties
CapEx Reserve	May be required depending on property condition and use of proceeds

Why Choose Benefund Airbnb Loan?

Real Estate Loan, partnered with BeneFund’s mission, is proud to offer this unique second lien, cash-out loan designed specifically for Airbnb and residential investment properties. This no-documentation-required loan brings simplicity and speed, empowering investors to unlock capital while maintaining ethical lending practices. By integrating charitable giving opportunities, borrowers can also access built-in tax benefits, aligning financial growth with benevolent community impact.