About Kevin Kermeen, Nationwide Commercial Loan Broker Funding $10K to $100M at 75BizLoans.com
Don’t Beg the Bank!
Most businesses don’t fail. They run out of cash first.
I am Kevin Kermeen, a nationwide commercial loan broker, and I teach business owners and real estate investors how to grow with other people’s money… from $10,000 in working capital to $100 Million in real estate. Working capital approved in 24 to 72 hours. Real estate term sheets in 3 to 5 days. Stop filling out the bank’s forms and waiting. As your commercial loan broker, I do the lender shopping for you.
☂ “Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.”
Apply Now 📞 Call Kevin (480) 915-86907 days a week · Arizona Time
Let me challenge something you were taught about money
You were told to be responsible. Save up. Self-fund. Wait until you can afford it. Grow slow and steady on your own cash. That advice is quietly killing your business.
Here is what actually happens to the owner who self-funds: payroll comes due before the receivables land. The contract that would have changed everything needs equipment you cannot buy yet. The perfect building sells to someone who could close in 30 days while you were still saving for the down payment. The idea was never the problem. You just ran out of cash before the business had time to win.
Now look at how the wealthy actually operate. They do not bleed their own cash to grow. They build with other people’s money and keep their own cash as the cushion that keeps them alive when things get tight. Leverage is not their last resort. It is the entire strategy.
The bank will never teach you this, because the bank profits when you stay small, slow, and dependent. Cash flow is everything. Capital deployed at the right moment is not debt… it is the bridge that carries your business across the gap to profitability. The contractor who stops renting and buys the shop. The investor who goes from one flip to ten. The operator who pulls a line of credit and never sweats payroll again.
That is what I do as your commercial loan broker. I am not here to sell you a loan. I am here to hand you the playbook the bank hoped you would never read. Don’t Beg the Bank!
Four ways your commercial loan broker puts other people’s money to work for you
Every business is at a different stage. As your commercial loan broker, here is how I match the right capital to where you are right now… from your first $10,000 to your first $100 Million.
Working Capital, Lines of Credit and Equipment Financing
From $10,000 24 to 72 Hour Approval and FundingThis is oxygen. When payroll hits before the invoice clears, when a job needs a truck or a machine to even start, when you want a revolving line you can draw on the moment cash gets tight… this is the capital that keeps you breathing and growing. Most files are approved and funded in 24 to 72 hours through my commercial loan broker network. No begging required.
Explore working capital and lines of credit →Commercial Real Estate Financing
$150,000 to $100 Million 3 to 5 Day Term Sheet · 21 to 30 Day FundingStop renting your future. As your commercial loan broker, I finance multi-family apartment complexes, new builds, ground-up development, warehouses, offices, flex buildings, strip malls, and office condos. Plus owner-occupied bridge loans, mezzanine financing, and term loans from 5 to 30 years. Speed wins deals… term sheet in 3 to 5 days, funding in 21 to 30. While they wait on the bank, you close.
Explore commercial real estate financing →Investment Property Financing
$150,000 to $100 Million 3 to 5 Day Term Sheet · 21 to 30 Day FundingThis is how investors compound. As your commercial loan broker, I fund residential and commercial fix and flips, new builds, development, DSCR rentals, and the full BRRRR strategy. Property-driven underwriting that scales with your portfolio, not your W-2. Term sheet in 3 to 5 days, funding in 21 to 30, so you close while the other guy is still filling out the bank’s forms.
Explore investment property financing →SBA Loans
Up to $5 Million 45 to 60 Day FundingEvery rent check you write is a deposit into your landlord’s retirement, not yours. SBA loans up to $5M are the smartest, lowest-cost way to flip that, and as your commercial loan broker I structure SBA deals that close. Powerful for working capital and for buying the owner-occupied commercial real estate you are currently renting. Own the building, control your costs, and build equity that is finally yours.
Explore SBA loan programs →Apply Now 📞 Call Kevin (480) 915-86907 days a week · Arizona Time
Proof: real deals your commercial loan broker recently closed
I do not sell stock-photo testimonials. Below are five deals I closed personally as a commercial loan broker. Real dollar amounts. Real timelines. The kind of work I do every week.
“The bank pre-approved us, then walked away two weeks before closing. Kevin called me and asked one question: what can you do? I had a term sheet in the buyer’s hands in 48 hours.”
March 2026. A buyer group was under contract on a $43 million multi-family apartment complex in Dallas, Texas. Their bank had issued a pre-approval, the group had built their entire close around it, and then… two weeks out, the bank pulled the financing. On a deal that size, a collapse at that stage does not just cost a property. It costs the earnest money, the reputation, and the next ten deals the seller would have brought.
The real estate broker called me. I structured the financing with one of my institutional capital partners, and the buyer group had a term sheet in 48 hours. They placed a commitment deposit* within 24 hours of accepting it. I closed the deal in 19 days… on a $43 million transaction the bank had already abandoned.
Multi-Family Apartment Complex Acquisition · Dallas, Texas · March 2026
“My bank backed out at the closing table. Kevin funded my purchase and locked me into a 20-year fixed in 24 days.”
A different deal, same lesson. A buyer was acquiring a $4.2 million apartment complex when the bank walked pre-closing. This was not a short-term bridge they needed… it was permanent financing they could hold for decades. I placed the deal and closed the purchase in 24 days, taking the borrower straight into a 20-year fixed. No bridge, no refinance scramble later. One clean close, long-term capital locked.
“I had been turned down by two local banks. Kevin had a term sheet in my inbox within 48 hours.”
A family-owned construction and excavation company in the Southeast had operated for 11 years but needed to expand its heavy equipment fleet to land a major infrastructure contract. Two regional banks declined, citing seasonal revenue variability. I structured a $425,000 equipment financing package with a regional lender that specialized in construction cash-flow cycles. The deal closed in 19 days. The company won the contract, expanded its crew, and has since tripled annual revenue.
Robert D., Owner · Heavy Equipment and Excavation, Southeast U.S.
“Kevin walked me through SBA 504 in plain English and got me into a 350-unit facility with 10% down.”
A first-time storage operator wanted to buy an existing 350-unit climate-controlled self storage facility. Conventional lenders wanted 25 to 30% down. I structured the deal as an SBA 504, which dropped the borrower’s equity contribution to 10%. The deal closed in 95 days with a 25-year amortization on the real estate portion. The operator now owns the asset, controls his costs, and is already evaluating an adjacent expansion parcel.
“The covered canopy expansion hit 70% occupancy in 6 months.”
The same self storage operator returned for the adjacent parcel. I structured an SBA 504 construction loan for a $1.6 million covered canopy RV and boat storage facility. The borrower came in with 15% on the ground-up build. The facility opened, marketed locally, and reached 70% occupancy within 6 months of opening. The same client. Two SBA closings. Real compounding.
Your commercial loan broker just raised the ceiling to $100 Million
I signed a new capital partner that lets me fund commercial and investment real estate up to $100 Million.
Here is why that matters to you, even if your deal is smaller. It means I am no longer just a small-business commercial loan broker… I am a capital partner who scales as you scale. The investor who starts with a single $200,000 fix and flip can grow with me to a $40 Million development. The operator who takes a $10,000 line of credit today can come back for a $20 Million owner-occupied headquarters tomorrow. Same commercial loan broker. Same direct phone line. Bigger runway.
You do not outgrow me. You grow, and I scale with you.
Start the ConversationTell your commercial loan broker what you need. I will call you back.
Takes 30 seconds. I personally review every submission as your commercial loan broker… no call center, no junior rep, and I never sell your information.
☂ Don’t Beg the Bank! Tell me what you need and I will call you back with real options, not a sales pitch.
- I personally review every application
- I call you directly… I never text
- Same-day approvals are common before 9am Arizona Time
- No upfront fees to me*
Why I Beat the Bank as Your Commercial Loan Broker… Every Time
A bank has one credit box and a junior loan officer with no authority. As your commercial loan broker, I have a 75+ lender network and a $100M capital partner. Here is the math, side by side.
The Traditional Bank
- 60 to 90 day underwriting cycle on real estate… while your deal dies
- One credit box… if you miss it, you are denied
- Junior loan officer with no authority
- Mountains of docs, projections, guarantees, full appraisals
- Industry restrictions (most banks will not touch trucking, restaurants, fix and flips, development, cannabis, or startups)
- You chase them. They do not call you back.
Working With Your Commercial Loan Broker
- 24 to 72 hour approval on working capital. 3 to 5 day term sheets on real estate
- $10K to $100M capacity… I scale as you scale
- 75+ lender network plus a $100M capital partner
- You get me, the commercial loan broker, on the phone… not a call center
- Stated income, bank-statement, and DSCR programs available
- I call you back. Same day. I never text.
Who I Work With as Your Commercial Loan Broker
I fund deals from $10,000 to $100 Million across every major industry and all 50 states. If you are running a real business or investing in real estate and you need capital the bank cannot or will not provide on your timeline, I am your commercial loan broker.
By Industry
Funding programs for restaurants, construction, manufacturing, healthcare practices, hotels and hospitality, self storage, cannabis (licensed states), professional services, real estate investors, trucking, MedSpas, auto repair, and service contractors.
By Loan Type
I arrange SBA loans, commercial real estate, investment property loans including DSCR and fix and flip, equipment financing, working capital, business lines of credit, invoice factoring, bridge loans, and startup funding.
By State
I serve all 50 states. I am based in Arizona and arrange financing nationwide, with high volume in Arizona, California, Texas, Florida, New York, and Oklahoma. Same lender network, same speed, in all of them.
How I Work as Your Commercial Loan Broker… The 4-Step Process
You Call or Apply to Your Commercial Loan Broker
You call me at (480) 915-8690 or submit the short form above. I personally review every file.
I Match You to the Right Capital
I do not shotgun your file to 20 lenders and tank your credit. I send it to the lenders I know will approve based on industry, deal type, and profile.
You Get Your Terms
Working capital approvals in 24 to 72 hours. Real estate term sheets in 3 to 5 days. I negotiate on your behalf and walk you through every line. Same-day approvals are common before 9am Arizona Time.
You Get Funded
Working capital can fund in as little as 24 hours. Real estate funds in 21 to 30 days. SBA in 45 to 60. I tell you the real timeline on day one.
About Me, Your Commercial Loan Broker
I have spent most of my career on the business owner side of the table. Most loan officers and brokers have never signed the checks that employees depend on. I have. As a commercial loan broker today, I bring that owner-side perspective to every deal. I have started businesses, built them, and successfully exited them. I valued companies as the owner of a business brokerage firm I founded and sold. And I have been a real estate broker and owner of my own residential, commercial, farm, development, and new-construction brokerages across Nebraska, Iowa, and Arizona.
So when I look at your deal as your commercial loan broker, I am not reading it like a banker. I am reading it like an owner who has met payroll when money was tight, closed deals that had to fund on time, and knows exactly what a denial letter costs. I built 75BizLoans.com because I watched too many good owners and investors get steamrolled by bank bureaucracy and starved of the cash that would have carried them to profitability.
I am a commercial loan broker based in Arizona, and I arrange capital nationwide. I am not a 1-800 call center. When you call (480) 915-8690, you get me, your commercial loan broker.
I learn your business, I learn your goals, and I find capital that fits. According to the FDIC and the Federal Reserve Small Business Credit Survey, fewer than half of small business applicants are fully approved by traditional banks. As your commercial loan broker, I am the answer to that gap. For official programs, see the SBA’s loan programs.
Recently funded deals by your commercial loan broker
The four stories above are flagships. Below is my ongoing closing activity, pulled live from my Just Got Funded blog … real dollar amounts, real industries, real timelines.
Frequently Asked Questions About Working With Me
How much can you fund?
As your commercial loan broker, I arrange funding from $10,000 in working capital up to $100 Million in commercial and investment real estate. I recently signed a new capital partner that raised my real estate ceiling to $100M, so I scale as your deals scale.
How fast can you actually fund?
Working capital, lines of credit, and equipment: approval and funding in 24 to 72 hours. Commercial and investment real estate: term sheet in 3 to 5 days, funding in 21 to 30 days. SBA loans: 45 to 60 days. As your commercial loan broker I tell you the realistic timeline on day one.
What is the “other people’s money” approach?
Smart operators do not drain their own cash to grow. They use financing strategically as a bridge to profitability… a line of credit for payroll gaps, equipment financing to take bigger jobs, real estate leverage to build equity. Your own cash stays as the cushion that keeps you alive. That is how the wealthy build, and it is how I help you build. Don’t Beg the Bank!
Are you a bank or a direct lender?
Neither. I am a nationwide commercial loan broker with 75+ lenders and a $100M capital partner. A bank has one credit box. I find the lender most likely to say yes based on your industry, credit, time in business, and collateral. The lender is the vendor. You are my client.
Can SBA help me stop renting my shop or office?
Yes. SBA loans up to $5M are one of the best tools for buying owner-occupied commercial real estate. Instead of paying down your landlord’s mortgage, you own the building, control your costs, and build equity that belongs to you.
Do you finance fix and flips, development, and BRRRR investors?
Yes. Residential and commercial fix and flips, new builds, ground-up development, DSCR rentals, and the full BRRRR strategy, from $150,000 to $100 Million. Property-driven underwriting. Term sheet in 3 to 5 days.
What does it cost to work with you?
Nothing up front to me. As your commercial loan broker, I am paid by the lender at closing, with no fee added to your loan amount or rate.* Some partner lenders may require a commitment fee or deposit when you accept their term sheet, which I disclose before you commit to anything.
Get a real answer from your commercial loan broker today.
☂ “Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.”
From $10,000 to $100 Million. Working capital approved in 24 to 72 hours. Real estate term sheets in 3 to 5 days. Same-day callback. Real commercial loan broker. Real answers.
Apply Now 📞 Call Kevin (480) 915-86907 days a week · Arizona Time* No upfront fees to me as your commercial loan broker. I am paid by the lender at closing and add no fee to your loan amount or rate. Some partner lenders may require a commitment fee or deposit when you accept their term sheet… I disclose any such cost before you commit to anything. Loan amounts, rates, terms and funding speed vary by lender, creditworthiness, collateral and deal structure, and are not guaranteed. Same-day approvals are common when the application reaches me before 9am Arizona Time.
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