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Commercial Loans for your business

About Us

Acquiring Capital Through Commercial Financing Services

Welcome to Our Site

Navigating the business world can be confusing and challenging; not everyone fits into the same mold and bank guidelines when it comes to commercial lending. More often than not, most banks employ a policy to lend money only to those companies that already have adequate financial resources.

If you are looking to acquire capital to help you achieve your goals, you can turn to Mid-Atlantic Commercial Capital, LLC.

We are in a position to provide all the various types of financing that small to medium-sized businesses need.

Who We Are

Mid-Atlantic Commercial Capital, LLC is your locally owned, nationally recognized financial company that aims to meet your commercial financing needs. We have a broad range of lenders for the various programs included in our portfolio.

Our Network of Lenders

We tap into a network of over 3000 lenders nationwide including government funding agencies (SBA,USDA, HUD) bridge, conventional, CMBS, private investors, hard money/ collateral lenders as well as a few that are “outside the box” - for those hard to place loans. We have successful track records with these lenders; thus they know that if a loan is presented by us, it meets their criteria, and the information is complete.

An Experienced Management Team

Backed by more than 70 years of combined experience in lending, commercial loan underwriting, real estate development, acquisitions, sales, and marketing industries, our management team has the qualifications needed to guide us in serving you. Because of this, we truly understand all aspects of your funding needs. We feel it is important to help you communicate your needs by providing you with multiple options for your business to choose, go with the best one that suits your needs and get the deal closed as quickly as possible - enabling you to resume business operations.

How We Can Help

Our extensive experience with almost every type of commercial financing request as well as various creative combinations of financing methods allows us to close a higher percentage of deals. We also have the knowledge and ability necessary to package the loan correctly presenting your loan to the appropriate lender while saving valuable time and money for you, the borrower. We believe in a relationship based on a long term approach to every single customer and grow with them through every single step in this process either with a single transaction or multiple ones to maximize their growth.

We will let you know upfront if we think the finance request is going to be easy or difficult, based on the situation, collateral, and time frame the funds are needed. We will always keep you in “the loop” as far as the status of your loan and are available after hours and weekends to get your loan expedited.

Reach Out to Us

Mid-Atlantic Commercial Capital, LLC is a trusted commercial financing company that offers loans to fund various property types which include, office condos, hotels/motels, self-storage, gas stations, franchises, convenient stores, churches, investment residential and commercial properties, shopping centers, real estate development projects, and more. For additional information about our company, get in touch with us.

Our Team

Clifford Kearns - Owner/Managing Member

Clifford Kearns

Clifford Kearns is the Mid-Atlantic Commercial Capital, LLC’s founding member who specializes in commercial and business real estate. Mr. Kearns’ career spans more than 30 years in the construction and lending industry, respectively. He owned and managed Cedar Creek Mortgage for a decade while owning and overseeing the development of Pelham's Reach—an upscale, 180-home residential subdivision located in Culpeper, VA.

In 2009, he turned his sights to the commercial real estate industry. Utilizing years of networking, he established relationships with lenders and investors that have, in turn, made Mid-Atlantic Commercial Capital, LLC successful today. Mr. Kearns takes pride in his ability to tailor a loan to fit your business’s needs.

540-825-9800 - Office

Samir "Sam" Patel - VP Business Development

Sam Patel

Samir has 15 years of experience in the banking industry with various community, regional and national banks. He is a native of Williamsburg, Virginia and married. He holds an undergraduate degree in Business Management and Economics from Lynchburg College. He has extensive business development and credit background that allows him to be an integral part of the Mid Atlantic Commercial Capital team. He is a strong advocate for his clients to deliver exceptional customer service and the best solution that meets their needs. He has a passion for assisting the small business community as his family has been in the hospitality business for over 30 years. In his spare time, he enjoys spending time with family and friends, watching sports games, outdoor activities and traveling to various countries to learn about different cultures and its ethnic foods, and enjoys reading nonfiction books on topics such as autobiographies and leadership.

Office 540-825-9800
Cell Phone 757-504-0211

Bob A. Cagle - VP Business Development

Bob Cagle

Bob Cagle has over 40 years of experience in the financial service area, specifically involving business lending and commercial real estate financing. After graduation from East Carolina University, Bob began his career in mortgage lending in Charlotte, NC with First Union and has held Senior Management positions with several of the major banks such as Wachovia, Chase, World Savings Bank, Countrywide, and others. He owned a mortgage brokerage firm in Richmond for 31 years and concentrated on building a reputation for delivering the best service and face to face relationship building. Bob resides in Richmond, Virginia and loves watching his six grandchildren participate in sports and weekend events!

Bob had helped develop private funding and capital venture groups as well as a business brokerage with a concentration in medical and dental practice sales and financing.

Bob is the type of business banker/broker that understands that all deals are not “cookie-cutter” and do not always fit inside the box. He will take the time to provide numerous viable options for any commercial deal and his knowledge of conventional commercial lending as well as SBA Programs, Hard Money and Bridge Funding give his clients the best of all worlds!

Whether its’ a small business needing some working capital, or a major shopping center, multi-family for Hotel acquisition or refinancing restructure, Bob Cagle is the expert on getting RESULTS and finding SOLUTIONS!

Office 540-825-9800
Cell 804 852-7570

Donna Windish

Donna Windish - Admin/Processor

Office: 540-825-9800

We Provide Services to the Following Cities, Towns and Surrounding Regions of VA and Washington DC: