When Large banks and local banks may turn down your small commercial loan. We welcome requests for income producing property and owner occupied small loans using real estate as collateral.Depending on the borrower’s credit and assuming the property is sound and well-occupied we can normally close a commercial mortgage in 45 days or less. Many institutions just don't want to handle a small loan. Summit Lending welcomes your small commercial mortgage loan and will work with you to fill your needs and close the small loans.