Small Balance Loan Program

Small Balance Loan Program

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Pinnacle Financial Partners is an approved Freddie Mac Multifamily Small Balance Loan lender - one of only a handful in the country.

We offer streamlined execution and convenient servicing for apartment loans ranging from $1 million to $7.5 million for acquisition or refinance. These loans provide liquidity, stability and certainty of execution to the affordable rental housing market nationwide. We offer hybrid ARM or fixed-rate products with partial or full-term interest only features. 


  • Freddie Mac small loans have highly competitive rates with maximum proceeds. Loan amounts range from $1 million to 7.5 million. 
  • Very competitive 5, 7 and 10-year hybrid ARM loan products
  • Flexible prepayment options (step down prepayments)
  • Non-recourse
  • Assumable
  • Cash out options are available 
  • Partial and full-term IO available (full-term requires 1.40x/65%)
  • No underwriting floor required for top markets
  • Hybrid ARM product with initial fixed period followed by floating period over 6-Month LIBOR for remainder of 20-year with 30-year amortization

Full terms are available on the Freddie Mac website.

Meet the Small Balance Loan team.


If you would like to speak with one of our financial advisors about the Small Balance Loan program, tell us a little more about yourself. We will be in touch soon. 



 Here are a few projects from around the country that we're particularly proud of.

Small Balance Loan projects