InterFinancial Group is an organization based in Atlanta GA, founded by Enrique Castiblanco more than 17 years ago and built on a core philosophy: We strive for excellence in everything we do. Entrepreneurial and progressive, we value long-term relationships working with business owners who are seeking payment solutions and business loans, which benefit from our capital, experience, flexibility and broad base of resources.

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Merchant Services


Bulk Acquisition


Business Loans


Residential and Commercial Loans



POS Clover

Clover for restaurants

Great for restaurants on quick serve.



Great for large inventory and faster processing.

Virtual Terminal

Virtual Terminal

Full featured virtual terminal that turns your computer, smartphone or other device into a terminal to process credit card or echeck payments.

NRS Petro

Integrated POS

The NRS Petro pump-integrated POS connects your c-store with your pumps, for a seamless checkout experience.


Api Payments

Secure integration path into a library of feature-rich financial technology solutions.

POS CoastalPay

POS CoastalPay

Ideal for any small business.




Company of Payments

IFG Partner Program provides unparalleled access to the payment industry’s best technology, support, and resources.

IFG is a payment solution company, focused on helping businesses of all sizes grow through the seamless integration of secure payment processing. We provide solutions for businesses that accept bank card transactions, store sensitive data and seek to push the boundaries of innovation.

Trusted by more than many merchants, we’ve designed the ultimate sales partner experience. We provide the products, tools, resources, and value-added solutions that empower our partners to nurture their current merchant portfolios and win new business, all while remaining successful in a quickly evolving marketplace.

By combining all comprehensive set of the solutions from our payment processing companies with IFG’s customer care, we give our sales partners the competitive edge to achieve their next level of success.




Commercial Real Estate Loans FAQs

Financing your business has become easier than ever with the many lenders and business loan providers available. Get started with the most commonly asked questions about commercial real estate loan services.

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A CRE loan is a loan that helps business owners finance the purchase or renovation of commercial property. This commercial property can vary from office buildings to retail stores, hotels, restaurants, and almost any type of space used for business. Most CRE lenders require that the building is at least 51% owner-occupied meaning they are not suitable for those looking to simply invest in real estate with no intention of using the property for their own business. If you are looking to simply invest in real estate, a commercial mortgage or even a personal loan might be the right choice for you.

There are several types of lenders and lending institutions that offer CRE loans. Let’s start with the type of loan listed above - commercial loans.

Commercial loans are similar to mortgages in that they are secured by the property, and the property itself is the collateral. This is unlike a personal loan which is typically unsecured and requires no collateral. These types of commercial lenders each have their own requirements of business owners and you can see these clearly laid out in the chart above.

Pros: flexible requirements, fast approval, low fees, easy to apply from anywhere.

Cons: often unavailable to new businesses, many are short-term loans

SBA loans are another way of securing financing for commercial real estate. There are two relevant types of these government-backed SBA loans, SBA 504 loans, and SBA 7(a) loans. The SBA 504 program can be used for both equipment financing and real estate. For real estate, 50% of the loan comes from a bank, 40% comes from a Certified Development Company and the final 10% must be used by you as a down payment.

The SBA 7(a) loan program is also government-backed and allows you to borrow up to $5 million through an affiliated lender. These loans max out at a 25-year term and the rates are based on the prime rate plus an additional interest rate.

Pros: low rates, flexible terms

Cons: must meet SBA standards, may require down payment, approval takes time.

Bridge loans are another financing solution for those who are in need of cash in the short-term while they wait for longer-term financing. The rates of a bridge loan are often higher than other loan types but they do allow for short repayment windows ranging from 6 months to 3 years.

Pros:Close quickly, short repayment terms

Pros:Cons: Higher rates, requires down payment

Assuming you meet the minimum requirements of multiple lenders there are several other factors to look out for when choosing a CRE lender.

Timing is often a big concern, especially in competitive commercial markets. The time it takes to approve the loan and then receive the sum could mean the difference between securing the property or having it fall to a competitor. Most commercial lenders are able to finalize everything within only a few days but if you need something sooner, like pre-approval, it’s best to check with the lenders directly.

Customer service is another factor especially for those who are new to the lending world. It can be extremely helpful having a friendly face to turn to when you have questions and/or concerns about the loan process. Some lenders are simply middlemen and don’t offer much in the way of customer service, but others like LendingTree are huge institutions with flexible phone hours and comprehensive guides.

Lastly, it may be the most obvious one but rates is obviously the biggest factor when it comes to choosing a CRE lender. Since rates are always changing and depend on the specifics of each business we are unable to display rates alongside the requirements of each lender. For this reason, we recommend that you apply to several lenders and compare the rates you are offered.

The initial process of applying for a CRE loan is extremely simple and straightforward. It can even be done on your phone and you won’t need to upload any documents at this stage. All you’ll need to provide are details about your business, the type of property you intend to purchase, and some contact information so the lender can reach out to you.

Once the initial process is complete, a representative from the lender will reach out to you and request several key documents including:

  • A purchase contract for the property
  • A business plan
  • Income verification
  • Tax returns
  • Documentation of down payment sources
  • Personal financial statements
  • A blueprint or architectural designs





Third-Party Integrations IFG has a broad set of relationships with third-party shopping carts and payment processing networks Enables consumers to make purchases online via an interface between the merchant and back-end processing systems. QuickClickis a great option for ecommerce merchants who do not have an IT team or developer on staff. A button generator is included, which allows merchants to create website links to products and services without any previous development experience. IFG Gateway offers a proprietary shopping cart as well as integrations with over 150+various shopping cart providers. There are a number of third party shopping carts that have integrated to the payment gateway. This is the best option for merchants who need a full featured turnkey shopping cart out of the box. More than 125+ types of processors and payment networks include: –Credit Card Processors (e.g., First Data, TSYS, Global Payments)–Electronic Check Processors (e.g., GETI, Checkgateway)–Secure Authentication Providers (i.e. Cardinal Commerce, FAC) IFG Gateway’s end merchants can process transactions via multiple processors via a single gateway account.


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