Capital to Fuel Your

Business Ambition

Whether you're acquiring property, expanding operations, or refinancing debt, our commercial loan solutions provide the capital you need to grow and succeed.

What is a Commercial Loan?

A commercial loan is a debt-based financing instrument used for business purposes, secured by a lien on a commercial property. Unlike residential loans, which are for personal or family use, commercial loans are provided to legal business entities such as LLCs, corporations, or partnerships, rather than individuals.

Cyber Operations

Nexgen Capital Trust commands the full range of cyber operations, providing advanced solutions from Security Operations Centers (SOC) to Fusion Center Operations. Our expertise encompasses everything from monitoring and detection to incident response, leveraging contextualized and enriched threat intelligence, backed by our deep knowledge in optimizing security tools and analytic practices. This comprehensive approach equips organizations with the necessary tools to effectively identify, respond to, and mitigate cyber threats, safeguarding sensitive data and minimizing operational disruption.

Virtual Security Operations Center

Utilizing cutting-edge practices, we offer an all-in-one Virtual Security Operations Center (VSOC) solution that combines advanced virtualized security monitoring, threat detection, and incident response services. This comprehensive approach empowers organizations to enhance their security posture and resilience without the added cost and complexity of a traditional SOC. Our VSOC capabilities enable effective threat detection and mitigation, ensuring compliance with regulatory requirements and protecting operations against the evolving landscape of cyber threats. Leveraging your existing investments, our service extends to include security engineering, vulnerability assessments, and threat hunting services, creating a robust ecosystem designed to fortify your organization against the most challenging cyber threats.

Cyber Systems Engineering

From secure system architecture design, SIEM optimization to custom platform engineering and development, Nexgen Capital Trust delivers solutions that enhance cyber resilience and mitigate risks. We leverage secure engineering principles and technologies to enable seamless integration with customer infrastructure while providing advanced levels of security. 

Threat Emulation, Threat Intel & Threat Hunt

Nexgen Capital Trust excels in providing advanced solutions and services that replicate real-world cyber threats via threat emulation exercises, enabling organizations to evaluate their security posture and preparedness effectively. We built the Automated Indicator Sharing (AIS) system for DHS CISA – the federal government’s largest cyber threat intelligence (CTI) platform. We provide our customers a streamlined CTI ingestion and sharing capability in order to have access to a centralized interoperable CTI platform to efficiently exchange, enrich, and analyze CTI to better reduce cyber risk. Our proactive threat hunting services go further by actively detecting and neutralizing threats within networks and systems before they escalate into breaches. Utilizing established methodologies, enriched threat intelligence, and hypothesis-driven strategies, we offer complete threat detection and mitigation solutions designed for the most challenging environments.

Information Assurance & Compliance

Nexgen Capital Trust assists organizations in managing risks and safeguarding assets by conducting thorough risk assessments, implementing robust security controls, and ensuring adherence to critical standards like NIST, HIPAA, and PCI DSS. Our extensive information assurance services apply stringent industry standards and regulatory frameworks to help our customers confidently address complex compliance challenges, effectively mitigating risks and enhancing protection.

Critical Infrastructure & Resilience

We are experts in strengthening critical infrastructure with advanced security operations, utilizing comprehensive operational practices guided by specialists in critical infrastructure protection. Our expertise spans from securing the supply chain to responding to incidents affecting critical infrastructure. Our primary goal is to enhance resilience and counter national security threats against civilian infrastructures, ensuring the uninterrupted functionality and safeguarding of essential assets against compromise in our interconnected world.

Eligibility Requirements

Property Requirements

Eligible Types: Stabilized Office, Retail, Light Industrial/Warehouse, Multifamily (5+ units), Self-Storage.



Ineligible Types: Specialized properties like gas stations, hotels, or restaurants are typically financed through different, more specialized programs.



Environmental: The property must have a clean Phase I Environmental Site Assessment (ESA) to ensure there is no soil or groundwater contamination.



Occupancy: Can be for an Owner-Occupied property (your business occupies at least 51%) or an Investor property.



Borrower/Guarantor Requirements

Borrowing Entity: Loans are made to a legal business entity (e.g., LLC, S- Corp), not an individual.



Personal Guarantee (PG): A PG is required from all individuals who own 20-25% or more of the borrowing entity. This makes them personally responsible for the debt if the business defaults.



Post-Closing Liquidity: Guarantors must show they have sufficient personal funds remaining after closing, typically equal to 6-12 months of total mortgage payments.




Financial Documentation Requirements A complete and organized documentation package is critical for a smooth underwriting process.

Standard Application Documents

Business Tax Returns: 3 years of federal tax returns for the subject business.



Personal Tax Returns: 3 years of personal federal tax returns for all principal owners/guarantors.



Other Business Financials: 3 years of tax returns and existing loan information for any other businesses owned by the guarantors.



Personal Financial Statement (PFS): A current, detailed PFS for each guarantor.



Resume: A professional resume for each guarantor, highlighting their experience in managing similar properties or in the relevant industry.



Additional Documents for a Refinance

Promissory Note: A copy of the existing promissory note for the loan being refinanced.



Security Agreement: The security agreement from the current loan.



Payment History: An official payment history from the current lender.



Billing Statement: The most recent billing or mortgage statement.



How to apply for a Commercial Loan

STEP 1

Initial Consultation and Pre-Approval

We will discuss your business's financial situation, the specific purpose of the loan (e.g., real estate purchase, equipment finance, working capital), and your business's financial profile.
We will guide you through the pre-qualification or pre-approval process. This involves analyzing your business's Debt Service Coverage Ratio (DSCR) and capital needs to estimate the loan amount and terms you may receive.

STEP 2

Gather Required Documentation

We will help you compile a complete loan package needed for the official application. Commercial loan documents are extensive and typically include:

Business Financial:

Business tax returns (past two to three years).

Year-end and interim financial statements (Balance Sheet, Income Statement, Cash Flow Statement).

Detailed business plan and company history.



Guarantor Financial (Principals/Owners):

Personal financial statements.

Personal tax returns (past two years).

Personal credit reports (we will obtain).



Property / Collateral Documents (if Real Estate):

Purchase contract (if buying).

Rent roll (if income-producing property).

Environmental questionnaire or report.

Appraisal and title information (requested later).



STEP 3

Submitting the Application

We will check with multiple lenders and compare their offers to secure the best rates and terms available to you. We then submit your complete application package to the most suitable lender.



Advancing Together

We listen carefully and collaborate closely to understand your challenges and build solutions for what comes next.