Monarch Commercial Capital Review

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Monarch Commercial Capital

Funding amount

$250,000+

Term

Up to 25 years

Min. credit score

600

Time to funding

4-8 weeks

Monarch Commercial Capital is a commercial financing brokerage, rather than a direct lender. It was created by Jon Kleven, who wanted to advocate for clients while providing them with more options. Through its strong relationships with banks and other lenders, Monarch is able to do just that. If you’re unsure of the best loan option for your unique situation and want some personalized attention, Monarch may be a good fit.

Pros

  • Simple online application
  • Personal service
  • Variety of loans

Cons

  • Smaller institution
  • Selective qualification requirements

Monarch Commercial Capital

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Funding amount

$250,000+

Term

Up to 25 years

Min. credit score

600

Time to funding

4-8 weeks

Monarch Commercial Capital is a commercial financing brokerage, rather than a direct lender. It was created by Jon Kleven, who wanted to advocate for clients while providing them with more options. Through its strong relationships with banks and other lenders, Monarch is able to do just that. If you’re unsure of the best loan option for your unique situation and want some personalized attention, Monarch may be a good fit.

Pros

  • Simple online application
  • Personal service
  • Variety of loans

Cons

  • Smaller institution
  • Selective qualification requirements

Commercial Real Estate Loan

Monarch Commercial Capital works with borrowers to provide them with a variety of loans to purchase or refinance commercial real estate. They can also assist with a business acquisition loan, a partner buyout, or a franchise start-up.

Loan amount rage$250,000+
Time in businessStartup or 2 years
Minimum credit score600
Minimum monthly revenueN/A
Repayment schedule10-25 years
FeesCase by case depending on product
Funding speed4-8 weeks

Evaluation

Overall, Monarch Commercial Capital is an option for small businesses who would like some hand-holding with the loan process. If you’re unsure of which loan or lender to choose, Monarch can help. To start the process, all you have to do is fill out a quick online application. Once you do, the company will get back to you to learn more about your situation and explain your options. While Monarch’s personal service shines, its website is missing a lot of important information on its loans and its lack of reviews can be concerning. Here’s how Monarch Commercial Capital stacks up next to some of the other best business loans out there.

Variety of Loans

Monarch Commercial Capital works to connect borrowers to a number of loans that can help them meet their unique needs. These include commercial real estate loans, business acquisition loans, franchise start-up loans, debt refinance loans, and working capital loans. Monarch’s team can steer you in the right direction if you’re unsure of what type of financing you need. Note that Monarch doesn’t disclose the lenders it works with on its website. 

Quick and Easy Application

To apply for a loan, you’ll need to fill out an online application form, which should take you no more than five minutes. Be prepared to state your intended loan purpose and share basic details about your business as well as its financials. Once Monarch receives your application, they’ll reach out to you via phone or email to let you know if they need additional information and explain the next steps. Keep in mind that each loan type has a unique application.

Personal Service

One of Monarch’s greatest selling points is its commitment to personal service. The company knows that you’ll likely need at least some guidance and have many questions throughout the loan process. It promises to serve as your advocate and assist you with the initial application all the way to closing. You can call them at 714-470-7381 or fill out the contact form on their website at any time.

Selective Qualification Criteria

With a minimum credit score of 600 and a high minimum loan amount, this lender will be best for established businesses looking to buy a fairly large piece of commercial property. Like a personal mortgage, most commercial real estate loans will require a down payment.

Ready to compare Monarch Commercial Capital with other lender options? Check your eligibility on Lendio and get multiple financing offers for your small business in one place.

*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (October 31, 2022). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.

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