A: By coming to Siliqua.com, you have accessed the leading online commercial loan marketplace. Siliqua.com quickly connects clients to Lenders who compete for your business. Our network of lenders offer an array of loan types, including commercial mortgages, commercial equity loans, and commercial lines of credit. Siliqua.com provides a convenient 'one-stop-shop' for your loan needs by giving you choice, convenience and value while finding the loan that's perfect for you.

A: Siliqua.com arranges for multiple loan offers through its network of non-affiliated Lenders. On the Siliqua.com network, Lenders provide to us criteria about the type of loan (for example, loan amount, whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. Siliqua.com will provide your information to up to one hundred Lenders whose criteria match your profile. If fewer than ten Lenders match your profile, you will receive offers from fewer than ten Lenders. If more than ten Lenders match your profile, Siliqua.com will match you with up to fifty Lenders with a preference for those Lenders that have the highest customer satisfaction scores and the best record of making loans to previous Siliqua.com customers. You will speak with a single commercial banker and will be provided with up to fifty offers based on the rates and terms provided to Siliqua.com by its wholesale mortgage banks and investors. These wholesale mortgage banks and investors update their terms and pricing with us from time-to-time (often daily) and compete for your business by changing their rates periodically. The offers you initially receive typically will be the lowest offers based on the interest rates set by the wholesale mortgage lenders or investors willing to acquire the type of loan that you requested.

A: You are under no obligation to accept a loan offer that is presented to you. However, if you do accept an offer, you may be obligated to pay a fee to the Lender (including Siliqua) to begin the processing of your request.

A: Siliqua.com does not charge any kind of fee for the service of rate shopping borrowers with lenders. Siliqua.com does however charge loan origination fees (at closing) depending on the specific loan you have selected. Most commercial loans will require deposits to cover third party expenses associated with the loan approval such as appraisals, environmental reports, title, escrow and credit bureaus.

A: We ask very basic questions until you have narrowed down the loan options. At which point we typically need to see two to three years of personal and business tax returns as well as a personal financial statement. From there each loan option differs in the documentation requirements.

A: Siliqua.com uses secure technology to ensure that the data you send us is protected, confidential and secure. We keep all confidential documents in a secure location.

A: At Siliqua.com, your personal privacy and the security of your personal data are a primary concern of ours. We absolutely will not sell your information at any time. We believe that you should be aware of who we are, the types of information we may collect on our web site, and what we do with your personal information. Your information will be shared with the lender(s) with whom you are matched so that they can respond to your request and only with your prior consent.

A: Siliqua.com is committed to sending your financial information to Lenders quickly and accurately. Using mail, email or fax is acceptable as long as we speak with you first so that we understand what information is coming.

A: No, we do not allow any lender to pull your credit report until we are comfortable that they are your lender of choice. Siliqua.com does not at any time pull your credit report.

A: To protect Siliqua’s interest in the placement of your loan we do not provide the names of the Lenders until you have selected their loan offer and chosen to move forward.

A: Yes! We have Lenders who work with borrowers with perfect credit and not-so-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are eager to work with you. Commercial loans tend to be driven more by the strength of the cash flow then the personal credit of the owner.

A: If we can't find a Lender who meets your needs, we will notify you almost immediately. If we can't match your loan request to a Lender, you may return to the site and complete a new loan request any time you want. We are always adding new Lenders to our network, so please continue to check back.

A: It's important that you evaluate all of the terms of each offer before you choose the one that's best for you. Compare the interest rate, APR, points, loan amount, prepayment penalties, loan term and other details of the loan offer.

A: After you accept an offer, you will need to communicate with your Siliqua commercial banker directly (via mail, email or phone) to complete the loan process. They will assist you in moving forward all the way to closing. You won't be going through the loan process alone. You will be assigned a personal commercial banker when you complete your loan request. Feel free to call on them to help you through the process.

A: At this time, we only service requests for loans that originate in the continental United States, Alaska and Hawaii.