FBS Commercial Capital logoFBS Commercial CapitalPortsmouth, Virginia
Modern multifamily and commercial buildings at golden hour

Portsmouth, Virginia · Nationwide Lending

Helping Real Estate Investors Succeed — One Loan at a Time!

FBS Commercial Capital is a commercial mortgage brokerage founded by Traci Noel, who brings 26+ years of experience in real estate finance, construction, and investing. We connect investors and business owners to the capital that closes deals.

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26+

Years in Real Estate Finance

$650M+

In Loans Funded

2,500+

Transactions

Our Services

Three ways we help you get to closing

Commercial Loan Brokerage

We shop your deal across a network of non-QM and private lenders, then structure the terms that fit your strategy — not whatever one bank happens to offer.

Funding Consultation

Before you spend money, we review the numbers, the exit, and the capital stack so you know what will actually get funded and at what cost.

Investor Education

Straight answers on DSCR ratios, ARV, draw schedules, and leverage, so you can underwrite your next deal with confidence instead of guesswork.

Non-QM Real Estate Lending

Loan products for every stage of the deal

View all programs
01

DSCR Loans

Long-term rental financing underwritten on the property's cash flow — no W-2s, no personal income docs.

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Fix & Flip Loans

Short-term capital for acquisition and renovation, with rehab draws that keep your crews moving.

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Bridge Loans

Interim financing that closes quickly so you can secure the asset and stabilize before permanent debt.

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Ground-Up Construction Loans

Construction financing for infill builds, spec homes, and small multifamily — structured around your budget and draw schedule.

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Commercial Loans

Permanent and value-add financing for stabilized and transitional commercial property — multifamily, mixed-use, retail, office, industrial, and self-storage.

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Business Funding

Working capital for your business — funded in days

Fintech-based small business funding for contractors, service businesses, and operators who need capital faster than a bank timeline allows. Revenue-based underwriting, minimal paperwork.

See how it works

  • 24-72 hrs

    Typical funding timeline

  • $10K-$5M

    Available funding amounts

  • No collateral

    Revenue-based approvals

Let's talk about your next deal

Tell us what you're working on and we'll come back with the programs and terms that fit.

Apply Now