Business Details
Your Trusted Commercial Financing Partner
Mid-Atlantic Commercial Capital is a locally owned, nationally recognized financial services company dedicated to meeting commercial financing needs. With a network of over 3,000 lenders nationwide, including government agencies and private investors, we specialize in connecting small to medium-sized businesses with tailored loan solutions. Our team brings more than 70 years of combined experience in lending, real estate development, and commercial finance underwriting. We pride ourselves on transparent communication, rapid loan processing, and personalized service that adapts to each client's unique requirements.Our expertise spans SBA programs, equipment financing, bridge loans, and alternative financing options for businesses with complex needs. Available beyond standard business hours, we maintain direct communication with clients throughout the financing process. Headquartered in Culpeper, Virginia, our services extend nationwide while maintaining local market expertise.
Services
SBA 504 Loans
SBA 7A Loans
Equipment Financing
Merchant Cash Advance
Commercial Bridge Loans
Hard Money Loans
Conventional Loans
Business Term Loans
Franchise Financing
Commercial Real Estate Loans
Highlights and features
- 70+ years combined experience in commercial lending and real estate development
- Nationwide network of 3,000+ lenders including government and private institutions
- Specialized expertise in SBA 504 and 7A loan programs
- 24/7 availability for urgent financing needs and after-hours support
- Proven track record with complex financing structures and difficult-to-place loans
Associations and certifications
- SBA
- HUD
- USDA
What people say
Attention to detail
Genuine concern
Relentless efforts
Expertise
Seamless process
Services
SBA 504 Loans
SBA 504 loans facilitate major fixed asset purchases like commercial real estate and equipment. These loans offer up to 90% LTV financing with down payments as low as 10%. Terms range from 5 to 25 years with competitive interest rates. Ideal for businesses seeking long-term capital for property acquisitions or major equipment investments.
Equipment Financing
Equipment financing provides 100% funding for new or used business equipment purchases. Loan terms align with equipment lifespan, typically 3-7 years. This solution preserves working capital while enabling technology upgrades and operational expansion. Available for machinery, vehicles, computers, and specialized industry equipment.
Commercial Bridge Loans
Commercial bridge loans offer rapid funding for time-sensitive real estate acquisitions. These 6-24 month loans carry interest-only payments and serve as temporary financing until permanent mortgages arrange. Particularly valuable for auction purchases or competitive bidding situations requiring immediate capital.
Merchant Cash Advance
Merchant cash advances provide immediate working capital based on future credit card sales. Approval requires minimal documentation and accommodates lower credit scores. Repayment adjusts with business performance through percentage-based credit card revenue deductions. Ideal for urgent cash flow needs without asset collateral requirements.
Subprime SBA Loans
Subprime SBA loans serve businesses with credit challenges or limited collateral. These programs offer up to 150% LTV financing for equipment or real estate purchases. Designed for non-traditional borrowers, they allow debt consolidation and working capital funding with flexible underwriting standards compared to conventional lending requirements.
People
Clifford Kearns
Owner/Managing Member
Clifford Kearns brings 30+ years of lending and real estate development experience. Former owner of Cedar Creek Mortgage and developer of Pelham's Reach residential community. Established Mid-Atlantic Commercial Capital's lender network that has facilitated hundreds of millions in business loans.
Donna Windish
Admin/Processor
Donna Windish manages loan processing operations with meticulous attention to detail. Maintains client communication throughout the financing process and ensures documentation compliance. Plays critical role in the company's high loan approval success rate.
Questions
What commercial loan programs do you specialize in?
We specialize in SBA 504 and 7A programs, equipment financing, bridge loans, hard money loans, and alternative financing solutions for non-traditional borrowers.
Can you help businesses with credit challenges?
Yes, our subprime SBA loans and merchant cash advance programs cater to businesses with credit issues or limited collateral through flexible underwriting criteria.
How quickly can you fund a commercial loan?
Bridge loans can fund within days while SBA programs typically take 30-60 days. We maintain after-hours availability to expedite urgent financing needs.
What industries do you serve?
We work with diverse sectors including real estate, hospitality, franchise operations, manufacturing, and service-based businesses requiring equipment or working capital financing.
Do you offer nationwide services?
Yes, while headquartered in Virginia, our lender network and digital capabilities enable us to serve commercial clients across all 50 states.
What sets you apart from other lenders?
Our 3,000+ lender network, 70+ combined years of experience, and personalized approach allow us to structure solutions for complex financing scenarios others cannot accommodate.
Reviews (7)
Axel Riepma
Dec 17, 2021
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Positive:Responsiveness
Clifford and Donna were extremely helpful and accommodating through a very difficult and stressful process. We couldn't have done it without them.
Clifford and Donna were extremely helpful and accommodating through a very difficult and stressful process. We couldn't have done it without them.
Zill Patel
Jan 12, 2021
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As a first time buyer we were not sure of all the process in hospitality industry . mid-Atlantic commercial capital llc (samir patel) has been a best resource and has been on top of thing. They line up everything for us and make sure the process goes as smooth as it can . If you want reliable, professional, responsible firm for your any type of business i would highly recommend this team. Thank you MACC for all your help.
Jose Osegueda Ii
Dec 04, 2020
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Positive:Professionalism,Responsiveness
I appreciate the effort during preparation, the accuracy in the financial planning, and the continued support during the underwriting process. With your help I am set for future growth. Thanks.
I appreciate the effort during preparation, the accuracy in the financial planning, and the continued support during the underwriting process. With your help I am set for future growth. Thanks.
Tracey West
Nov 04, 2020
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Positive:Professionalism,Responsiveness,Value
I had the opportunity to work with Clifford and Donna. They are both very knowledgeable about the products and services that they offer and easy to communicate with and make you feel at ease. I highly would recommend them to anyone.
I had the opportunity to work with Clifford and Donna. They are both very knowledgeable about the products and services that they offer and easy to communicate with and make you feel at ease. I highly would recommend them to anyone.
Vijay Nair
Aug 19, 2020
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I worked with Samir Patel on a new franchise business. He guided me through the entire loan process till funding. Samir delivered what he promised in terms of amount of loan, cost of loan and the time for funding. No surprises. He communicated regularly. My experience was good and I will have no hesitation in going with him again for the next franchise location.
Alex Abdulwahab
Jul 27, 2020
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Critical:Professionalism
After being lied to for months saying I was approved and paid this company to process a application they said was solid and was just waiting on funding. Theyre a total scam and not who they say they are. I strongly recommend anyone to take their business elsewhere when looking for financing!
After being lied to for months saying I was approved and paid this company to process a application they said was solid and was just waiting on funding. Theyre a total scam and not who they say they are. I strongly recommend anyone to take their business elsewhere when looking for financing!
Dickeys Rayford
Jul 21, 2020
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Critical:Professionalism,Quality,Responsiveness,Value
Clifford and his team are total crooks who lie and lie and lie! Theyll tell you one thing and later youll find out the total opposite after they refuse to answer phone calls and taking your money.
Clifford and his team are total crooks who lie and lie and lie! Theyll tell you one thing and later youll find out the total opposite after they refuse to answer phone calls and taking your money.
