Commercial Real Estate Loans

Real estate can be a great investment for any sized business. In most cases, it also represents a big commitment, one that the business might not have cash on hand for. Most real estate investing is done with the help of real estate loans. They can be used to acquire a new property, to renovate an existing property, or to refinance another property loan.

COMMERCIAL REAL ESTATE LOANS

Overview

Commercial real estate loans provide financing for businesses and developers to purchase, build, or improve income-producing properties. These loans typically carry terms of five to twenty years with longer amortization schedules, allowing for manageable payments. Lenders evaluate credit strength, loan-to-value ratios, and debt-service coverage ratios to determine eligibility and rates. With strong property performance, rental income often supports repayment.

Property Acquisition

Finance the purchase of office buildings, shopping centers, or other income-generating spaces.

Development Projects

Cover expenses for large-scale improvements or expansions to existing buildings.

Property Improvements

Cover renovation or expansion costs to increase property value and rental income.

KEY FEATURES AT A GLANCE

Loan Highlights

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Large Borrowers

Commercial real estate loans are usually taken out by large companies or organizations.

Long Terms

Terms are commonly five to twenty years.

Balloon Payments

Payments are based on an amortization period, with a balloon payment due at the end of the term.

Income Property

Commercial loans are intended for income-producing property.

LTV Range

Most LTVs are between 65% and 80%.

DSCR Minimum

Commercial lenders look for a 1.25 DSCR.

150+

Lenders in our network

$500M

In available funds

24H

Fastest close

BENEFITS THAT ADD VALUE

Pros

Build Credit

Commercial loans can help a business build credit.

Varied Options

Terms and rates can vary, so there’s a variety of loans to choose from.

Real Estate Access

Borrowers can secure the funding they need for income-producing real estate.

FACTORS TO CONSIDER CAREFULLY

Cons

Harder Approval

Commercial real estate loans can be difficult to qualify for.

Complex Process

The application process involves a lot of steps.

Balloon Risk

Some businesses may be unprepared for a large balloon payment.

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