Need a commercial loan for my client

[Juan Reyes]

I am a mortgage originator in Queens New York. I am usually able to obtain commercial mortgages, residential pretty much anything. I even get no-income-verification loans and Loans for foreign nationals, cash flow programs, etc. I pride myself in being able to have as many solutions for my clients investors or regular borrowers. However I am stumped here as I can not find a client this commercial mortgage. I can't disclose specifics unless I get his permission but I can tell you a general idea of the situation. I have a client that wants to start up a discount store. he currently works as a buyer for a a major wholesaler/distributor of 99cent stores and has extensive experience in this business. He has now decided he wants to open his own 99 cent store but he wants to buy the property. Unfortunately I can not find a lender that will give him a loan based off of his income and credit and using the property as collateral. I will get more info from him as request by a lender. The property is in Long Island New York around $270k. Him and His wife show around $88k and $99k combined income for the years 2014 and 2015 respectively. Their credit scores are close to 800 and they have a 25% Down Payment. Is there anyone that knows a lender willing to lend based on this situation. I know an SBA loan is a possibility but those take months and I don't think the property will be vacant for that long.