Commercial Real Estate Loans
Whether you're purchasing your first commercial property, expanding to a new location, or refinancing an existing mortgage, commercial real estate loans provide the long-term financing you need with competitive rates and flexible terms.
Up to $10M+
Loan Amount
From 5.5%
Interest Rates
5–25 years
Terms
Up to 80%
LTV Ratio
What are commercial real estate loans?
Commercial real estate (CRE) loans are mortgages used to purchase, develop, or refinance commercial properties. These include office buildings, retail spaces, warehouses, multi-family housing, and mixed-use properties.
Unlike residential mortgages, commercial real estate loans are underwritten based on the property's income-generating potential in addition to the borrower's financial strength. They offer longer terms and can be structured in various ways to fit your investment strategy.
Key Benefits
- Purchase, refinance, or renovate commercial properties
- Terms up to 25 years with competitive rates
- Multiple loan structures available
- Build equity in income-producing real estate
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
Frequently asked questions
Most commercial properties qualify, including office buildings, retail storefronts, warehouses, industrial facilities, multi-family (5+ units), hotels, and mixed-use properties. Special-purpose properties may have different requirements.
Most commercial real estate loans require 20-30% down. SBA 504 loans can go as low as 10% down for owner-occupied properties, making them an attractive option for businesses purchasing their own space.
Yes, many CRE loans can include renovation costs. Construction-to-permanent loans and SBA 504 loans are particularly well-suited for projects that involve both purchase and renovation.
Lenders evaluate the property's value (via appraisal), its income-generating potential (net operating income), and your financial strength. The loan amount is typically capped at 75-80% of the property's appraised value.
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