Welcome to

Pennies-N-Dimes Business Services

Based in Vancouver, Washington we provide professional lending and real estate services for individuals and businesses.

About Us

Your Nationwide Trusted Lender

We are a fee-only capital advisor. We provide you advice and recommendations and help you implement them to manage the lending process. We specialize in all areas of capital lending and we can provide you total capital lending.

Your Interests First. Period.

As a free-only capital advisor, our goal is to understand you to help you develop a personalized lending plan and capital strategy that really suits your business – without conflicts of interests.

Equity Based Private Lending

100% Acquisition & Construction Financing
Loans Up To 65% Of The After Repaired value
Fast Closings & 24 Hour Approval
Lending on Investment Residential And Commercial Properties

Over 10 Years Reputation For Excellence

We have over 10 years experience helping business owners and individuals with custom loan solutions. We put our emphasis on helping our clients do what is in their best interest and our clients needs always come first.

01

Understand

Our first goal is to understand you and your overall financial states, as well as your goals for the present and future.

02

Establish

We’ll work with you to develop a capital lending plan that fits your resources and your goals, as well as an implement strategy.

03

Manage

We’ll manage the process for you and continuously monitor your plan to make sure you stay on course.

What We Do

Our Services

We’re Dedicated to Providing Personalized And Customized Lending Solutions

Apartment Building Loans

▪ Multi-Family Apartment Buildings
▪ New Construction, Refi, or Purchases
▪ Terms 30 Years
▪ Non Recourse
▪ 80% LTC
▪ Rates Starting at 2.95%
▪ Loans above $1,000,000

Soft Money Commercial Loans

▪ No Credit Score Minimum
▪ 65% LTV
▪ 70% LTV in top markets
▪ 5 Year Fixed Interest Only
▪ Rates 5.875% – 7.5%
▪ Loan amounts above $2 million

Bridge and Hard Money Loans

▪ From $50,000 to $50,000,000
▪ Bridge Loans/Hard Money
▪ Re-hab, DPO, Short Sales

Rehab Loans

▪ Rehab Investment Multi Family (5-400 units) Up to $20m
▪ SFRs, 2-4 Units, Condos and PUDs from 100k up to $1 million, up to 80% LTV Up to 65% ARV

SFR Rental Cash Out Refi

▪ 70% LTV
▪ 30 Year Fixed Term
▪ 5 Year ARM
▪ Rates Starting at 6.5%
▪ Credit must exceed 680
▪ Lease must be in place
▪ Loan amounts above $100,000

Unsecured Business Lines of Credit

We can provide your business with fixed interest loans up to $300,000. With some basic info on your company we can create a custom plan with-in 24 hours that will fit your company needs.

Meet With Professionals

We Have a Team of Experienced and Trustworthy Capital Professionals