Specialty Use — Churches, Golf Courses, Gas Stations & More

Some properties do not fit traditional lending boxes. MERA evaluates qualified specialty-use and special-purpose properties, including churches, golf courses, gas stations, automotive properties, and other unique assets.

Program terms

Some properties do not fit traditional lending boxes. MERA evaluates qualified specialty-use and special-purpose properties, including churches, golf courses, gas stations, automotive properties, and other unique assets.

Purchase
Up to 55% of purchase price
Refinance
Up to 30% on refinance
Term
1–2 year term
Rate range
11.99%–13.99% rate range shown in current lending materials
Credit
Minimum 580 FICO

All loans are subject to underwriting, property evaluation, borrower qualifications, applicable guidelines, and final approval. Advertised terms are not a guarantee of approval or specific loan terms.

How we evaluate it

We look at the complete transaction: the asset, value, equity, borrower, project, market, business plan, and exit strategy.

This allows us to consider opportunities that may require more flexibility than a conventional lender can provide. Qualified transactions may close as fast as 5 days, subject to complete documentation, underwriting, title, valuation, conditions, and transaction readiness.