About Us

Speed + Flexibility = Opportunity

Lending You The Support You Deserve

Commercial Business Loan: JMJ Commercial offers business loans, lines of credit, investment opportunities, and other financial solutions to small and established businesses, helping them grow and make their presence felt in the industry. As experienced loan brokers, we understand the legal and operational complexities of sanctioning commercial loans from private lenders and banks. Leveraging our expertise, we collaborate with our vast network of lenders to help you get hassle-free term loans to help your business survive and grow.
  • Saving your time and money
  • Building valuable relationships
  • Anticipating clients’ needs

Our Mission

At JMJ Commercial, our mission is to empower and educate our clients about acquiring commercial loans while streamlining the process to ensure their convenience. We help them make informed financial decisions. With honesty, integrity, and transparency forming the bedrock of our working philosophy, we have won the trust and loyalty of our ever-expanding customer base.

Contact us today to learn more about our services, and let us help you get the financing you need.

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Our Services

We understand your financial needs better than anyone else.

Term Loans

We assist small businesses by connecting a network of private lenders to acquire loans at a fixed rate to help them with their repayment schedules.

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Asset Based Loan

JMJ Commercial can help businesses secure asset-based financing by connecting them with lenders willing to support them.

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Bridge Loans

JMJ Commercial will help negotiate favorable terms on your behalf and monitor the progress of your loan sanction process while you focus on achieving your business goals.

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Flexible and Quick Loans

Commercial Property Loan
Programs

Foreign National Loan

A foreign national loan is a mortgage provided to a borrower who isn’t a citizen of the country where the property is located.

Interest Only Loans

In the Interest Only Loan Program, the borrower only pays the interest on the loan for a specified time period. After the period expires, the borrower must start paying down the principal amount and the interest.

BK –No Problem!

Bankruptcy is a legal process that relieves individuals or businesses of their obligations while simultaneously providing creditors an opportunity to be paid back.

Calculator

Calculate your annual income before taxes (including non-taxable)

For more accurate results, total monthly debt payments don’t include living expenses such as utility bills, food, and entertainment.

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      Itemize My Monthly Debt

      Calculate My DTI Ratio

      What is DTI ?

      The debt-to-income (DTI) ratio is the proportion of your gross monthly profits to pay your monthly debt payments. The lenders use it to regulate your borrowing risk -commercial business loan.

      Key Points

      The debt-to-income (DTI) ratio measures an individual’s or organization’s income to service debt.

      • A DTI of 43% is the highest proportion typically a borrower can have and still qualifies for a mortgage, but lenders generally seek ratios of no more than 36%.

      A low DTI ratio specifies sufficient income relative to debt servicing and makes a borrower more attractive. For instance:

      A client is looking to get a loan and is trying to figure out his debt-to-income ratio. The client’s monthly bills and income are as follows:

      • mortgage: $1,000
      • gross income: $6,000
      • car loan: $500
      • credit cards: $500

      The client’s total once-a-month debt payment is $2,000:

      • \$2,000 = \$1,000 + \$500 + \$500$2,000=$1,000+$500+$500

      The client’s DTI ratio is 0.33:

      • 0.33 = \$2,000 \div \$6,0000.33=$2,000÷$6,000

      In other words, the client has a 33% debt-to-income ratio.

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      Dedicated To Help Your Business Flourish

      Do you have any queries or concerns? Feel free to get in touch with JMJ Commercial. We are at your service 24/7.

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