P4 Financial L.L.C., a Chicago area company, provides fast, short‑term commercial real estate loans up to $25,000,000 with no upfront fees and underwriting in as little as five days.
We offer bridge, construction, rehab, cash‑out, development, and other value‑add financing on most income‑producing property types (multifamily, retail, office, industrial, cannabis, hospitality, self‑storage, land, and more), for both owner‑ and non‑owner‑occupied properties, with selective lending outside Illinois.
Key terms include:
- Loan size: up to $3,000,000 to $25,000,000
- Term: up to 24 months (extensions may be available)
- Payments: interest‑only
- Rates: WSJ Prime + 4%–10% (deal‑dependent)
- Fees: 1%–2% origination/exit
- Collateral: first mortgage plus assignments, full or partial recourse
- Prepayment: no penalty (may be subject to minimum earnings)
- Maximum loan‑to‑cost: 80%
- Maximum loan‑to‑value: 75%
- Excluded: owner‑occupied residential
For fast funding solutions, contact Lou Pissios, an attorney for over 35 years, at (847) 341-4720.
P4 Financial, LLC. 
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