Application Process


We use licensed real estate appraisers who specialize in property similar to what you plan to use as collateral. We work with all types of appraisers, including specialists in agricultural, hospitality, multi-unit residential and industrial uses.

Depending on the type and location of the property, among other factors, Sterling Pacific may need additional reviews, including potential environmental assessments and property specific specialty analysis.

We will review a title report detailing ownership, liens, encumbrances, easements or other items that may affect the property’s marketability.


These items will be required to evaluate your loan application.

  • Completed Loan Application
  • Credit and Verification Authorization
  • Articles of organization (LLC, Corp. or Partnership only)
  • Operating agreement (LLC, Corp or Partnership only)
  • Personal Financial Statement
  • Current schedule of real estate owned
  • Most recent federal income tax return
  • 4506-T Form
  • Most recent appraisal if available
  • Building plans (construction only)
  • Construction cost breakdown (construction only)
  • Executive Summary

Ready To Apply?

Fill out these forms to get started.

Commercial Loan Application
Credit and Verification Authorization