Non-Traditional Lending
Made Simple
Made Simple
We specialize in unconventional lending for home buyers and commercial borrowers in need to capital to expand and scale their business
Home lending that aligns with your goals
Home lending that aligns with your goals
ITIN Loans
Low Doc Loans
Interest Only Loans
Cash-Out Refinance
Foreign National Loans
ITIN Loans
Low Doc Loans
Interest Only Loans
Foreign National Loans
Cash-Out Refinance
Commercial capital made accessible
Commercial capital made accessible
SBA 504 Loans
SBA 7(a) & Community Advantage
SBA MicroLoans
Small Business Line of Credit
SBA 504 Loans
SBA 7(a) & Community Advantage
SBA MicroLoans
Small Business Line of Credit
SBA 504 Loans
SBA 7(a) & Community Advantage
SBA MicroLoans
Small Business Line of Credit
Why Sandrine Capital
We specialize in Unconventional Lending. We deliver flexible, non-traditional lending for today’s diverse borrowers—removing barriers to homeownership and scaling commercial businesses with tailored programs.
1
No Tax Returns or W2s Required
Skip the paperwork, our low-doc programs approve loans without traditional income verification.
1
No Tax Returns or W2s Required
Skip the paperwork, our low-doc programs approve loans without traditional income verification.
1
No Tax Returns or W2s Required
Skip the paperwork, our low-doc programs approve loans without traditional income verification.
2
Loans Up to $3 Million
Finance or refinance high-value properties (primary homes, investments, assets) with competitive terms.
2
Loans Up to $3 Million
Finance or refinance high-value properties (primary homes, investments, assets) with competitive terms.
2
Loans Up to $3 Million
Finance or refinance high-value properties (primary homes, investments, assets) with competitive terms.
3
Self-Employed? We Accept 12-Month CPA P&L
Entrepreneurs and freelancers qualify with an accountant-prepared Profit & Loss statement—no pay stubs required.
3
Self-Employed? We Accept 12-Month CPA P&L
Entrepreneurs and freelancers qualify with an accountant-prepared Profit & Loss statement—no pay stubs required.
3
Self-Employed? We Accept 12-Month CPA P&L
Entrepreneurs and freelancers qualify with an accountant-prepared Profit & Loss statement—no pay stubs required.
4
First-Time Buyer Programs
No credit history? We offer guided solutions for those new to the U.S. lending system.
4
First-Time Buyer Programs
No credit history? We offer guided solutions for those new to the U.S. lending system.
4
First-Time Buyer Programs
No credit history? We offer guided solutions for those new to the U.S. lending system.
5
ITIN & Immigrant-Friendly
Borrow with an ITIN or foreign passport. No Social Security number needed.
5
ITIN & Immigrant-Friendly
Borrow with an ITIN or foreign passport. No Social Security number needed.
5
ITIN & Immigrant-Friendly
Borrow with an ITIN or foreign passport. No Social Security number needed.
"Fast. Flexible. Focused on You"
"Fast. Flexible. Focused on You"
Flexible Financing for Modern Borrowers
Explore our lending programs for homebuyers and business owners. We offer tailored loan programs for home purchases, property investments and business financing with simplified documentation and faster approvals.
Home Loan Programs
Self-Employed / Low-Doc Loans
Designed for entrepreneurs and freelancers, qualify using a 12-month CPA P&L, with no tax returns or W2s needed.
Self-Employed / Low-Doc Loans
Designed for entrepreneurs and freelancers, qualify using a 12-month CPA P&L, with no tax returns or W2s needed.
Self-Employed / Low-Doc Loans
Designed for entrepreneurs and freelancers, qualify using a 12-month CPA P&L, with no tax returns or W2s needed.
Interest-Only Loans
Lower your monthly payments with flexible interest-only options. Ideal for short-term planning and high-value properties.
Interest-Only Loans
Lower your monthly payments with flexible interest-only options. Ideal for short-term planning and high-value properties.
Interest-Only Loans
Lower your monthly payments with flexible interest-only options. Ideal for short-term planning and high-value properties.
Foreign National Loans
Tailored loans for non-U.S. residents buying property in the U.S., with minimal documentation and no U.S. credit history required.
Foreign National Loans
Tailored loans for non-U.S. residents buying property in the U.S., with minimal documentation and no U.S. credit history required.
Foreign National Loans
Tailored loans for non-U.S. residents buying property in the U.S., with minimal documentation and no U.S. credit history required.
Cash-Out Refinance
Turn your home equity into liquidity. Refinance up to 75% LTV and access up to $1.5M in cash-out proceeds.
Cash-Out Refinance
Turn your home equity into liquidity. Refinance up to 75% LTV and access up to $1.5M in cash-out proceeds.
Cash-Out Refinance
Turn your home equity into liquidity. Refinance up to 75% LTV and access up to $1.5M in cash-out proceeds.
ITIN Loans
Home financing for individuals without a Social Security number. Qualify using your ITIN with flexible income and asset documentation.
ITIN Loans
Home financing for individuals without a Social Security number. Qualify using your ITIN with flexible income and asset documentation.
ITIN Loans
Home financing for individuals without a Social Security number. Qualify using your ITIN with flexible income and asset documentation.
Business Loan Programs
SBA 504 Loans
For purchasing commercial real estate or equipment with long-term, fixed-rate financing.
SBA 504 Loans
For purchasing commercial real estate or equipment with long-term, fixed-rate financing.
SBA 504 Loans
For purchasing commercial real estate or equipment with long-term, fixed-rate financing.
SBA 7(a) & Community Advantage
Flexible loans for working capital, expansion or starting a new business.
SBA 7(a) & Community Advantage
Flexible loans for working capital, expansion or starting a new business.
SBA 7(a) & Community Advantage
Flexible loans for working capital, expansion or starting a new business.
SBA MicroLoans
Small loans up to $50,000 for early-stage businesses and day-to-day needs.
SBA MicroLoans
Small loans up to $50,000 for early-stage businesses and day-to-day needs.
SBA MicroLoans
Small loans up to $50,000 for early-stage businesses and day-to-day needs.
Small Business Line of Credit
Access funds on demand. Perfect for managing cash flow or unexpected costs.
Small Business Line of Credit
Access funds on demand. Perfect for managing cash flow or unexpected costs.
Small Business Line of Credit
Access funds on demand. Perfect for managing cash flow or unexpected costs.
Frequently Asked Questions
Do I need a Social Security number?
What is an ITIN?
How do I prove income without tax returns?
How much down payment is needed?
Can I use gift funds?
Do I need a Social Security number?
What is an ITIN?
How do I prove income without tax returns?
How much down payment is needed?
Can I use gift funds?
Do I need a Social Security number?
What is an ITIN?
How do I prove income without tax returns?
How much down payment is needed?
Can I use gift funds?
Our Blogs
Everything you need to know about financing
