REAL ESTATE BACKED CAPITAL
Apply in minutes.
Funded in under 10 days.
No stacks of paperwork. No committee waiting rooms. Tell us about your business and your property. Our underwriting engine takes it from there.
- Soft credit check to apply
- Rates from 1% per month, fixed
- Commercial, industrial, mixed-use, and investment residential accepted
OUR PROCESS
Four steps.
Under 10 business days.
From the moment you apply to the moment funds hit your account, here is exactly what happens.
Apply in minutes
- One-page application
- No stacks of paperwork
- Soft credit check only
Get approved fast
Our underwriting engine evaluates your asset using three independent data sources: automated property valuation, title and lien search, and our proprietary AI valuation model. No human appraiser. No site visit. A decision in hours, not weeks.
Due diligence
Before we fund, we complete final checks on the deal. Depending on your file, we may reach out for any outstanding documentation. Most borrowers clear this step quickly. This is the last gate before funding.
- Final collateral and borrower verification
- We may request additional documents if needed
- Clear communication at every step
Receive your funds
Sign your agreement electronically. We wire capital directly to your business account. No waiting for a check. No in-person closing required.
- E-sign from anywhere
- Wired directly to your business account
- Funds confirmed via email
WHO QUALIFIES
If you own non-primary real estate, you likely qualify.
We look at the asset first. Everything else is secondary.
12 months in business
Your business needs to have been operating for at least one year.
$250,000 or more in annual revenue
Bank statements or tax returns accepted. We work with what you have.
Non-primary real estate collateral
Commercial, industrial, mixed-use, or investment residential. If it is not your primary home, we can likely use it.
600 or higher FICO score
Checked via soft pull at application — no impact on your score. A single hard pull happens only once, right before funding.
You borrow as a business
Navon loans are made to business entities for business purposes. Your LLC or corporation is the borrower — not you personally as a consumer.
Client Stories
Real businesses.
Real results.
What are the requirements for a loan?
At least 12 months in business, $250,000 or more in annual revenue, a 600 or higher FICO score, and non-primary real estate to pledge as collateral.
How quickly can I receive funding?
In most cases, under 10 business days from application. Our underwriting evaluates your asset in hours. Due diligence is the final step before funding and typically moves quickly.
What happens during due diligence?
This is our final review before releasing funds. We verify the deal is complete and may reach out if any documentation is outstanding. Once cleared, we move straight to funding.
What happens to my credit score when I apply?
We run a soft pull at application, which has zero impact on your score. A hard pull happens only once, immediately before funding, after you have reviewed and accepted your terms.
What property types do you accept?
We accept all non-primary residence property types including commercial, industrial, mixed-use, and investment residential. We do not lend against primary homes.
What makes Navon different from a bank?
Banks require committees, hard credit pulls, human appraisers, and weeks of back and forth. Navon uses proprietary technology to evaluate your asset in hours, publishes terms upfront, and funds in under 10 business days in most cases. One fixed rate. No prepayment penalty. No surprises.