GOLD LENDER
Silver Hill Capital, LLC is a small-balance commercial mortgage lender offering financing from $100,000 to $2,500,000 on commercial real estate including multifamily, mixed-use, office, retail, daycare center, light industrial, self-storage, restaurant, bar, and warehouse property types.
We know that commercial properties considered small by their loan size often represent a big potential impact to business owners, investors and communities. That’s why Silver Hill has designed a lending platform to address this under served niche, bringing back smart, small-balance commercial loans.
Silver Hill Capital does not run a construction or renovation draw process, because it is a small-balance commercial and DSCR lender rather than a fix and flip or ground-up construction lender. Its multifamily, bank-statement, no-doc, and DSCR loans fund at closing against the property, not in stages as a rehab or build progresses. There is no draw request method, inspection schedule, or per-draw turnaround published on its site, and none would be expected for these loan types. Silver Hill also does not publish a specific closing timeline. For investors who need draw-funded rehab or construction financing, Silver Hill is a fit for small-balance multifamily and commercial mortgages (roughly $100K to $2.5M) rather than a phased construction draw program. Borrowers work through its broker channel, so the process runs through a mortgage broker rather than a direct rehab-draw workflow.
Silver Hill Capital, LLC is a commercial and small-balance commercial mortgage lender based in Coral Gables, Florida, and part of Bayview Asset Management, offering multifamily, bank-statement, no-doc, and DSCR loans through a broker channel rather than fix and flip or construction lending.
• Multifamily: max LTV up to 80% for purchases and up to 75% for refinances, with flexible cash-out.
• Bank-statement (12 months of statements in lieu of tax returns), no-doc streamline, and DSCR (1 to 4 family) programs.
• Loan amounts from $100,000 to $2,500,000, with no lender points charged.
• Silver Hill works nationwide through a broker channel serving commercial borrowers rather than individual consumers.
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Silver Hill Capital, LLC is a commercial and small-balance commercial mortgage lender headquartered in Coral Gables, Florida, and part of Bayview Asset Management. It is not a fix and flip or construction hard money lender. Working through a broker channel nationwide, it offers multifamily, bank statement, no-doc, and DSCR loans (roughly $100,000 to $2,500,000) to commercial borrowers rather than individual consumers. It operates under NMLS ID 2469 and Arizona Commercial Mortgage Broker license CMB-2001291.
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.