Business Capital
Commercial Real Estate Financing
Finance office buildings, retail spaces, warehouses, and investment properties with competitive rates and flexible terms. Build equity while growing your business.
What is Commercial Real Estate Financing?
Commercial real estate financing provides capital to purchase, refinance, or develop commercial properties used for business purposes. This includes office buildings, retail spaces, warehouses, industrial facilities, and multi-family properties.
Unlike residential mortgages, commercial real estate loans are typically based on the property"s income-generating potential and the borrower"s business financials rather than personal income.
Key Benefits
Types of Commercial Properties
Office Buildings
Class A, B, and C office spaces, medical offices, and professional buildings
Retail Spaces
Shopping centers, strip malls, standalone retail buildings, and restaurants
Industrial & Warehouse
Manufacturing facilities, distribution centers, and storage warehouses
Multi-Family
Apartment buildings, condominiums, and mixed-use developments
Special Purpose
Hotels, healthcare facilities, self-storage, and data centers
Land & Development
Raw land, development projects, and construction financing
Commercial Real Estate Financing Options
Conventional Commercial Loans
Traditional bank loans with competitive rates and terms up to 25 years. Best for established businesses with strong financials.
SBA 504 Loans
Government-backed loans for owner-occupied commercial properties. Lower down payments and competitive rates.
Bridge Loans
Short-term financing to bridge gaps between property purchase and permanent financing or property sale.
Hard Money Loans
Asset-based loans with faster approval but higher rates. Ideal for fix-and-flip or distressed properties.
Typical Terms
Commercial Real Estate Loan Requirements
Credit Score
Generally 680+ for conventional loans, 650+ for SBA loans
Down Payment
Typically 20-30% of property value, 10% for SBA 504 loans
DSCR
Debt Service Coverage Ratio typically 1.25x or higher
Documentation
Property appraisal, business financials, tax returns, and business plan
Ready to Finance Your Commercial Property?
Get the financing you need to purchase, refinance, or develop commercial real estate. Connect with experienced CRE lenders today.