Commercial Real Estate

Commercial Property Financing

Long-term financing to purchase, develop, or refinance commercial properties at competitive rates.

Up to $10M+
Loan Amount
From 5.5%
Interest Rate
5–25 Years
Repayment Term
Up to 80% LTV
Loan-to-Value
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Product Overview

What is a Commercial Real Estate Loan?

Commercial real estate loans finance office buildings, retail spaces, warehouses, multi-family housing, and mixed-use properties. These loans are underwritten on both the property's income potential and the borrower's financials, offering longer terms and flexible structures to fit your investment strategy.

Unlike residential mortgages, CRE loans factor in the property's net operating income, cap rate, and debt service coverage ratio. With the right lender match, you can secure favorable terms that support both immediate needs and long-term portfolio growth.

Key Benefits

  • ✓Purchase, refinance, or renovate commercial properties
  • ✓Terms up to 25 years for lower monthly obligations
  • ✓Multiple loan structures to fit your strategy
  • ✓Build equity in income-producing real estate
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Property appraisal and environmental assessment
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Minimum 20% down payment
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Credit score 680+
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Business financial statements (2+ years)
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Property cash flow documentation
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Commercial real estate experience preferred
How It Works

How to Apply

1

Quick Application

Submit your property details and business profile. No hard credit pull to get started.

2

Discovery Call

An advisor reviews the property, your financials, and the best loan structure for your goals.

3

Get Matched

We present your deal to the right CRE lenders in our network and manage the process end-to-end.

4

Get Funded

Close on your property with terms structured to maximize cash flow and long-term returns.

Common Questions

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.