Accelerated Investment Group

AIG Fast-Track Commercial & IndustrialCalifornia OnlyCall: (661) 489-5363

For Brokers • California Only • Direct Private Money (Hard Money)

When a C&I Deal Can’t Wait, Fast-Track It.

Your borrower has a deadline. The seller won’t extend. The bank wants “one more” document. Meanwhile, your referral partner is watching the clock—and your reputation is on the line.

AIG Fast-Track Commercial & Industrial is built for time-sensitive California deals where speed, structure, and clarity matter. We’re a direct private money (hard money) lender lending California only—and we underwrite the way the real world works: current As-Is value, project reality, and exit strategy—reviewed case-by-case.

CA Only • Business PurposeProperty-First UnderwritingAs-Is Value FocusCase-by-Case

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Not for primary residences or consumer-purpose loans. Program details are subject to change without notice. All loans are subject to the marketability, quality & condition of the subject property for approval.*

Built for Brokers

You keep the borrower relationship. We provide fast feedback, clean expectations, and a realistic path to “yes” when the numbers and collateral support it.

Best-Fit Use Cases (C&I)

Time-sensitive purchases where bank timelines don’t work
Bridge to sale/refi while stabilizing cash flow or completing work
Lease-up or reposition scenarios (case-by-case)
Self-employed / complex-income borrowers
LLC / Corp vesting OK; ITIN considered (case-by-case)

Decision Drivers

As-Is appraised value + DSCR

Speed Lever

Clean scenario snapshot

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Why Brokers Bring Commercial & Industrial Deals to AIG

Private money speed with clear expectations (case-by-case).
Property-first underwriting centered on current As-Is value.
Business-purpose structure designed for investors and business owners.
As little as 0 months reserves (case-by-case).
No minimum FICO requirement (case-by-case).
No seasoning of funds (case-by-case).
LLC / Corp vesting OK; ITIN considered (case-by-case).
Late pays, BK, foreclosure considered (case-by-case).

Broker outcome: protect your reputation, keep the referral, and close more California C&I transactions.
All loans are subject to the marketability, quality & condition of the subject property for approval.*

Loan Structure, LTV & Transaction Types

California Only • Business Purpose • Case-by-Case Review

Appraisal Requirement

Appraisal ordered through an approved AIG vendor. Required for valuation, risk layering, and loan decisioning. Transferred appraisals considered (case-by-case).
All loans are subject to the marketability, quality & condition of the subject property for approval.*

Purchase

Up to 70% LTV (case-by-case)
Seller contributions OK (case-by-case)
Loan Amounts: $100,000 – $2,000,000
Gift funds & Gift of Equity allowed (LTV adjustments apply) (case-by-case)

Rate & Term Refinance

Up to 60%–65% LTV (case-by-case)
Loan Amounts: $100,000 – $2,000,000

Cash-Out Refinance

Up to 60% LTV (case-by-case)
Loan Amounts: $100,000 – $2,000,000
Cash-out must be business purpose only — personal-use funds not permitted

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Available Loan Terms

Interest-Only • Business Purpose • Case-by-Case

Term Option	Structure
18 Month	Interest-Only • No impounds required
2-Year	Interest-Only
3-Year	Interest-Only
30-Year	Fixed • Due in 5 Years (Balloon)

BRRRR, stabilization, and refinance-exit friendly.

DSCR Qualification Method (Property-Driven)

DSCR = Gross Rents ÷ PITI (subject property)

DSCR

Preferred 1.00 (rental income ÷ monthly housing costs) (If less than 1.00: case-by-case)

PITI based on note rate
Rents from 1007/1025 & appraiser narrative
Property-based qualification — not tax returns

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Cross-Collateralized Portfolio Option

One loan secured by multiple properties (case-by-case)

One closing, one payment, one rate structure
Mix of properties allowed (case-by-case)
Blended DSCR & equity reviewed for approval

Ideal For

BRRRR exit to rental hold
Bridge-to-rent transitions
Scaling without multiple closings
Capital efficiency + speed

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Submission Requirements (Broker Snapshot → Clear Next Steps)

Send the essentials and we’ll respond with structure, fit, and the next best move for your borrower.

Borrower & Identification

Complete 1003 in MISMO 3.4 format
Credit report (full) within 60 days
Valid Driver’s License
Social Security Card or ITIN Card (Only if Available)
A handwritten, wet-signed LOE confirming cash-out funds are for business purposes only (no personal use).

Property Documentation

Statement of Information (Download PDF)
Fully Executed Purchase Agreement (if applicable)
Current Property Insurance Declaration Page
Most recent Mortgage Statement (refinances)
Appraisal (Approved AIG vendor; transferred appraisals considered (case-by-case))
Property list if cross-collateralizing

All loans are subject to the marketability, quality & condition of the subject property for approval.*

AVERAGE TURN TIMES

INITIAL MLDS/UW

Stage	Turn Time
New Files (Purchase)	1–2 Business Days
New Files (Refi)	1–2 Business Days
Conditions	1–2 Business Days

Closing

Stage	Turn Time
CTC MLDS Issuance	1 Business Day
Loan Docs	Schedule at least 1–2 business days out from signed CTC MLDS

Entity Requirements (If Applicable)

If vesting in an LLC, Corp, Trust, or Estate:

EIN confirmation
Articles of Incorporation
Operating Agreement or Trust Certificate
Authorized Signer documentation (application must be signed by the authorized person)

For Brokers & Loan Originators

AIG Fast-Track Commercial & Industrial is designed to help you protect your reputation with clear expectations, faster responses, and reliable structure in California investor lending.

Broker-FriendlyCase-by-CaseCA OnlyBuilt for Investors

Quick responses and clear upfront guidance
Designed to keep your borrower aligned with reality and timeline
We work with you, not around you

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Run a Scenario

California Statewide — Built for Investor Lending

California deals move fast. AIG Fast-Track Commercial & Industrial is built for competitive markets, tight timelines, and investor strategy—without giving up structure.

Statewide CaliforniaAIG Fast-Track Commercial & IndustrialBusiness-PurposeDSCR (where applicable)

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Broker Shortcut: Send a Scenario, Get a Clear Answer

Send a quick snapshot and we’ll confirm fit (or structure a path to qualify). As-Is appraised value leads the decision—then we layer risk, timeline, and exit strategy (case-by-case).

Subject line: FAST-TRACK C&I – Broker Scenario Request

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Email Scenario|Call (661) 489-5363

Include: property address/APN, As-Is value, requested loan amount, purpose, serviceability notes, and the exit plan.

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Commercial & Industrial FAQs

What drives approval on AIG Fast-Track C&I?

Underwriting is case-by-case. We focus heavily on the subject property’s current As-Is appraised value, then review cash flow/DSCR where applicable, borrower profile, risk layering, and the exit plan.
All loans are subject to the marketability, quality & condition of the subject property for approval.*

Is this California-only?

Yes. California only and business-purpose transactions.

Do you require tax returns?

Case-by-case. We keep requirements practical and scenario-driven, but compliance and file review may require limited documentation.

Important Program Disclosure

California Only • Business-Purpose Loans Only
All loans subject to appraisal, underwriting, and equity/risk layering. Not a commitment to lend. Terms may change without notice. Not for consumer-purpose transactions.

All loans are subject to the marketability, quality & condition of the subject property for approval.*

Company NMLS: 2633929 • DRE# 02241664 • 5330 Office Centre Ct, Ste 49, Bakersfield, CA 93309 • Phone: (661) 489-5363

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