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Commercial Real Estate Financing
Financing for acquiring, refinancing, or developing commercial properties.
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Loan Amount
$10,000,000
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Time to Fund
30 to 90 days or longer
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Term Length
5 to 30 Years
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What is a commercial mortgage?
Commercial real estate loans provide businesses with funding to purchase, develop, or refinance properties such as office buildings, retail spaces, warehouses, and multifamily units. These loans come with flexible structures, including fixed or variable rates, ensuring businesses can invest in real estate while maintaining financial stability.
Commercial mortgage rates.
Commercial mortgage rates vary based on loan type, creditworthiness, property value, and market conditions. Unlike residential mortgages, commercial loans often have shorter terms (5 to 25 years) and require a larger down payment (+10.25%). Business owners seeking commercial real estate financing should compare fixed and variable rates to determine the most cost-effective option for long-term property investment. Locking in a competitive rate can significantly impact monthly payments and overall financing costs.
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Minimum Requirements
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Credit Score
680
Monthly Revenue
No Minimum Revenue Requirement
Time in Business
2+ Years
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The most common options include traditional bank loans, SBA 504 loans, commercial mortgage-backed securities (CMBS), and bridge loans. Each has different rates, terms, and qualification requirements.
Yes, but lenders may require stronger financial statements, larger down payments, or alternative repayment structures, such as interest-only periods during slow seasons.
Commercial loans typically have higher interest rates due to increased risk, ranging from 5% to 12%, depending on creditworthiness, loan type, and property value.
Yes, as long as a significant portion of the property is used for business operations. SBA loans typically require 51% owner occupancy for eligibility.
Most lenders offer LTV ratios between 65% and 80%. SBA 504 loans may allow up to 90% financing, while private lenders may require higher down payments.
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