Silver Capital Funding

Silver Capital Funding Silver Capital Funding provides the fastest and easiest process for Real Estate and Business loans across the USA and Canada. Bad credit? We got you!
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We are not constrained by strict banking rules and only offer custom-built options for our clients. At Bentley Funding, we help entrepreneurs obtain Creative and Common Sense Financing Solutions for Businesses and Investment Properties. Using our network of various types of direct lenders banks, credit unions, and others, we can offer you some of the most flexible loan terms in the industry, depen

ding on the deal, investor profile, background, and experience. Other lenders take a one size fits all approach to making loans - but we don't. We carefully evaluate each and every deal and offer competitive terms when the deal makes sense. From Residential Fix and Flip, Rental, multi families, commercial, Line of Credit, Refinance, or construction, it's our job to get you the money to accomplish your deal. We can structure loans in most states. Terms will vary from market to market, but if your deal sounds, we can get your deal closed.

04/14/2026

Producer Price Index Rises 0.5% in March
The Producer Price Index (PPI) increased 0.5% month-over-month in March, the U.S. Bureau of Labor Statistics reported, coming in well below the 1.2% consensus estimate and matching February’s revised 0.5% gain. On an annual basis, producer inflation rose 4.0%, also undershooting expectations of 4.7% and accelerating from 3.4% in the prior month..
Core PPI, which excludes food and energy, showed more muted momentum. The index increased just 0.1% month-over-month, compared to a 0.5% consensus forecast and a revised 0.3% gain in February. Year-over-year, core PPI rose 3.8%, in line with the prior month but below expectations of 4.2%.
The headline increase was driven entirely by goods inflation. Final demand goods prices rose 1.6%, the largest monthly gain since August 2023, while services prices were unchanged, pointing to a divergence between commodity-linked inflation and service-sector stability.
Energy played a central role in the upside. Prices for final demand energy surged 8.5% in March, accounting for the bulk of the increase and reinforcing the volatility tied to commodity markets.
Meanwhile, the index for final demand less foods, energy, and trade services rose 0.2% in March, down from 0.5% in February. On a yearly basis, this measure increased 3.6%, suggesting some moderation in core inflation trends despite elevated headline readings.
This story was posted on Connect Money

04/07/2026

DSCR Loans: a more accessible way to finance your rental property

A DSCR (Debt Service Coverage Ratio) loan is a type of residential rental property financing that qualifies the property based on a property's rental income rather than the borrower's income or tax returns. Lenders divide the property's gross rent by its monthly debt obligations (PITIA) to calculate the DSCR. A minimum accepted ratio is 1.0 , with 1.25 or higher considered strong. For first-time investors, a DSCR loan may offer a more accessible route to ownership than a conventional investment property mortgage, with no income verification, no DTI limits, and closing timelines that can often be completed in weeks.

Key Points :
DSCR loans qualify based on property cash flow, not your W2, tax returns, or personal debt-to-income ratio
No real estate investing experience is typically required—DSCR loans may be accessible to first-time investors as well.
The DSCR formula is: Gross Rental Income ÷ PITIA (Principal, Interest, Taxes, Insurance, HOA)
A DSCR of 1.0 or higher is required. However most lenders like to see1.25 or above
LLC borrowing is preferred, potentially helping investors separate personal and investment assets
Closing timelines can often be completed in weeks

First time investors or seasoned investors can take advantage of the DSCR program when buying or refinancing a residential rental property. Thus your tax returns are not a concern and do not need to be presented for income verification, or you are unsure whether you would qualify for a traditional mortgage on an investment property. That is where a DSCR loan may be worth exploring.

Unlike conventional mortgages, DSCR loans are designed specifically for residential investment properties. The DSCR programs evaluate whether the property itself can generate sufficient rental income to cover its debt obligations, not if the principal's W2 or personal tax return meets a lender's income threshold. For real estate investors (REIs) looking to own their first rental , this distinction could open doors that traditional financing might not.

03/31/2026

Many of today’s real estate investors have built their portfolios in an era of low rates, abundant liquidity, and rising home prices. Few have experienced a true down-cycle. Yet anyone who operated through 2008 to 2012 remembers that markets do not move in straight lines and liquidity can disappear quickly.
Several patterns from that period are beginning to reappear today.
Understanding what actually happened then can help investors navigate the next phase of the 2025–2026 cycle far more effectively.
The Last Downturn: A Slow Unraveling, Not a Sudden Collapse. The 2008 is remembered as an immediate crash, the real decline unfolded gradually.
2007: Liquidity thinned, buyers hesitated, but prices held.
2008: Sentiment shifted, prices began to soften, though some segments held firm due to affordability and government incentives.
2009–2010: Liquidity evaporated. Deals stalled because capital froze.
2011–2012: Buying opportunities emerged as prices bottomed and sellers capitulated. The bargains appeared years after the first signs of weakening.
The Biggest Mistake of the Great Recession
The investors who struggled most were not the ones who bought incorrectly. They were the ones who waited too long to accept changing conditions.
Rather than adjusting pricing, many held on, convinced a rebound was around the corner. Loss aversion kept them tied to yesterday’s values, and liquidity loss ultimately overwhelmed them. Those who redeployed into better opportunities survived. Today’s Market Has Similar Characteristics
Rates began rising rapidly in 2023, but the impact was muted at first.
2024: Extremely low inventory kept prices stable.
2025: Liquidity tightened. Holding times increased. Margins compressed.
2026: The question is no longer “if” the market changes, but “what” would realistically cause improvement in the next year.
Just as in 2008, cycles take time to unfold. Liquidity tightens first, price adjustments follow later, and capitulation is rarely immediate.
We are now several years into reduced liquidity without meaningful relief, which historically precedes broader buying opportunities.
How Savvy Investors Should Prepare Now
Price to sell: If demand softens, today’s comps may not hold tomorrow.
Protect liquidity: Carrying costs accelerate losses in tightening markets. Velocity matters more than top-of-market margins.
Avoid trying to catch the bottom: Wait too long and you lose years of runway.
Keep capital ready for real opportunities: The best buys historically appear after recessionary conditions set in, not during early rate movements.
Reassess risk across assets Single-family, multifamily, and land respond differently to tightening cycles. Underwrite accordingly.
Conclusion: The Market Is Shifting, Not Crashing
Like 2007–2008, prices remain stable, and deals are still happening. But liquidity is tightening, leverage is lower, and hold times are stretching. These are the conditions that typically precede the real opportunities.

03/19/2026

Nearly 2,500 different multifamily lenders provided a total of $288.7 billion in new mortgages for apartment buildings with five or more units in 2024, according to the Mortgage Bankers Association (MBA).
Last year’s volume was up 17% from 2023, the MBA shared in its annual report of the multifamily lending market. Over half of the active lenders made five or fewer multifamily loans over the course of 2024.
“Following 2023’s low-volume year, multifamily lending picked up in 2024, with activity increasing across lenders of all sizes and capital sources,” said Reggie Booker, MBA’s associate vice president of commercial real estate research. “While the multifamily market is served by some of the largest institutions in the country, it remains broad and diverse, with more than half of lenders active in the space making only a handful of loans in a year.”

12/03/2025

U.S. Federal Housing Announces 2026 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac
U.S. Federal Housing announced today that the 2026 multifamily loan purchase caps for Fannie Mae and Freddie Mac (the Enterprises) will be $88 billion for each Enterprise, for a combined total of $176 billion to support the multifamily market.
To ensure a strong focus on affordable housing and underserved markets, U.S. Federal Housing will require that at least 50 percent of the Enterprises’ multifamily businesses be mission-driven, affordable housing. Just like in 2025, multifamily loans that finance workforce housing will be excluded from the 2026 limits. All other mission-driven loans remain subject to the volume caps.
To ensure the Enterprises continue to provide sufficient liquidity and support in the multifamily mortgage market, U.S. Federal Housing will continue to monitor the multifamily mortgage market and will increase the caps if necessary. However, to prevent market disruption, if the Agency determines that the actual size of the 2026 market is smaller than was initially projected, it will not reduce the caps.

As for multifamily, cautious optimism is giving way to a growing conviction that the market will pick up speed in the new year. Despite headwinds such as a shifting tariff policy and political gridlock, it’s clear again that multifamily performance is being shaped less by external noise and more by underlying fundamentals and demographic demand. https://www.fhfa.gov/document/2026-multifamily-cap-and-definitions.pdf

11/20/2025

WASHINGTON — Today, the U.S. Small Business Administration (SBA) announced that the Small Business Investment Company (SBIC) program closed Fiscal Year 2025 (FY25) with the largest level of investment capital in the program’s history. In total, the SBIC program reached $53 billion in combined private capital and SBA leverage, compared to $46 billion in FY24. As part of this record year, SBA approved 48 new SBIC licenses, cultivating a cohort that is expected to support more than $14 billion in total investment. The agency also approved a record 86 “Green Light” letters representing conditional pre-approval for SBIC licenses expected to generate over $20 billion in aggregate investment.
“Confidence in President Trump’s pro-growth economic agenda is driving investment in America’s next generation of category leaders, and the SBIC Program is delivering record capital to support the start-ups and innovators who are revitalizing America’s industrial dominance,” said SBA Administrator Kelly Loeffler. “With a record year for SBIC licenses, leverage, and activity, it’s clear that the private sector is responding to the Trump Administration’s historic tax cuts and deregulation to invest for the long-term. And with the private-public partnership of SBA now reaching a combined $100 billion of impact for the first time in history across lending, SBIC, and SBIR, this Trump-era rocket fuel will define American strength and security for the next generation.”

Last month, SBA announced that the agency approved record lending through its 7(a) and 504 loan programs, totaling $45 billion to more than 85,000 small businesses. Combined with capital deployed through the SBIC and SBIR programs, the agency delivered over $100 billion in Fiscal Year 2025 – proving that President Trump’s policies are driving investment, innovation, and growth across the U.S. economy, anchored by small businesses.

Loans # SBA owner occupied real estate loans



About the Small Business Investment Company Program

Since 1958, the mission of the Small Business Investment Company (SBIC) program has been to stimulate and supplement the flow of private equity capital and long-term debt financing that American small businesses need to operate, expand and modernize their businesses. SBA does this by licensing and providing capital to professionally managed equity and debt investment funds as Small Business Investment Companies. SBA capital comes in the form of, a government-guaranteed loan to the fund to match privately raised capital. The SBA-guaranteed loan, paired with private capital, increases access to financing for qualifying U.S. small businesses and startups while potentially improving risk-adjusted returns for private investors

💡 Did you know?Almost 60% of growing businesses struggle with cash flow, not because they lack customers, but because th...
10/14/2025

💡 Did you know?
Almost 60% of growing businesses struggle with cash flow, not because they lack customers, but because they lack access to the right funding.

That’s where Bentley Funding steps in.

✅ Business Funding isn’t just about loans, it’s about fueling your business goals. Whether you need quick working capital, long-term stability, or funds to buy new equipment, we make it happen fast, easy, and stress-free.

✨ Why Choose Bentley Funding?
- Fast approvals and quick disbursal
- Tailored funding for your business type
- Low documentation process
- We even work with businesses that have less-than-perfect credit

🚀 Don’t let funding challenges slow your growth.
👉 Visit bentleyfunding.com
to explore your options today.

🏢 Thinking of investing in Commercial Real Estate?A Commercial Real Estate Loan (CRE Loan) could be the key to expanding...
10/08/2025

🏢 Thinking of investing in Commercial Real Estate?

A Commercial Real Estate Loan (CRE Loan) could be the key to expanding your business footprint and building long-term wealth.

🔑 What You Should Know About Commercial Real Estate Loans:
✔️ Used to purchase, renovate, or refinance commercial properties (offices, retail spaces, warehouses, multifamily units).
✔️ Loan terms vary from short-term (3–5 years) to long-term (20+ years).
✔️ Interest rates depend on property type, credit profile, and business strength.
✔️ Options include traditional bank loans, SBA loans, bridge loans, and private lending.
✔️ Smart financing = leverage your capital while keeping cash flow strong.

💡 Pro Tip: A well-structured commercial real estate loan not only helps you secure property but also grows equity and increases ROI.

🚀 At Bentley Funding, we make it simple to finance your next property deal.
👉 Explore your options today: bentleyfunding.com

💼 Fuel Your Business Growth with Small Business Loans from Bentley Funding 💼Whether you're launching a startup, expandin...
10/03/2025

💼 Fuel Your Business Growth with Small Business Loans from Bentley Funding 💼

Whether you're launching a startup, expanding operations, or navigating a slow season, Bentley Funding provides fast, flexible Small Business Loans designed to support your goals.

Why partner with us?
✔ Funding from $10K to $500K+
✔ No collateral required for many programs
✔ Fast approval decisions in 24–48 hours
✔ Bad credit? Not a deal-breaker
✔ Perfect for equipment purchases, working capital, inventory, payroll & more

We work with a wide range of businesses, including retail and restaurant establishments, contractors, consultants, and more. Our process is straightforward, transparent, and tailored to your unique needs.

📈 Ready to take your business to the next level?

📞 Call now for a free consultation with a funding expert.

🔑 Unlock Smart Real Estate Financing with Bentley Funding 🔑Are you ready to invest in real estate or refinance commercia...
09/30/2025

🔑 Unlock Smart Real Estate Financing with Bentley Funding 🔑

Are you ready to invest in real estate or refinance commercial & rental properties? Bentley Funding offers tailored financing solutions to help you grow, expand, or stabilize, no matter your credit history.

Why choose us?
✔ Customized real estate funding to fit your needs
✔ Fast, transparent, and straightforward process
✔ Minimal documentation required
✔ “Bad credit” is not a deal-breaker
✔ We work with investors, business owners, fix‑and‑flip projects, and more

Whether you’re acquiring a new property or refinancing an existing one, our team is here to guide you every step of the way.

📞 Contact us for a free consultation!

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