Financing Program
Commercial Real Estate Loans
We source and structure commercial real estate financing for investors, owner-occupants, and developers. From stabilized properties to ground-up construction, we align your deal with lenders who specialize in commercial real estate underwriting.
Loan Range
$500,000 – $25,000,000+
Term Range
5 – 30 years
Structure
Acquisition, refinance, and construction for income-producing properties
What It's Used For
Common Use Cases
Acquire income-producing commercial property
Refinance existing commercial real estate debt
Cash-out refinance for portfolio expansion
Reposition or renovate a stabilized asset
Fund ground-up commercial construction
Program Details
Key Features
Loan amounts from $500K to $25M+
LTV up to 75% on most property types
Fixed and variable rate options available
Interest-only periods available on select programs
Structured process tailored for experienced investors
Multi-family, retail, office, industrial, and mixed-use eligible
How It Works
How This Financing Is Structured
CRE loans are typically structured as first-lien mortgages on the subject property, amortized over 20–25 years with balloon payments at 5, 7, or 10 years. SBA 504 structures split financing between a conventional first lien and an SBA debenture. Bridge loans are shorter-term with interest-only periods.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Owner-operators purchasing their business premises
- →Investors acquiring income-producing properties
- →Developers seeking construction-to-perm financing
- →Businesses refinancing existing commercial debt
✗ This program is NOT the right fit when:
- ✗Businesses purchasing residential rental properties
- ✗Borrowers with debt-service coverage below 1.20x
- ✗Properties with environmental issues or title problems
- ✗Speculative land purchases with no development plan
Common Questions
Frequently Asked Questions
What is the minimum down payment for commercial real estate?
Conventional CRE loans typically require 20–30% down. SBA 504 programs can reduce the equity requirement to 10% for owner-occupied properties.
What is debt service coverage ratio (DSCR)?
DSCR measures whether a property generates enough income to cover its debt payments. A 1.25x DSCR means the property earns 25% more than the annual debt payment. Most lenders require 1.20–1.25x minimum.
Can I use CRE financing to renovate an existing property?
Yes. Construction-to-permanent loans fund both acquisition and renovation, converting to a long-term mortgage upon project completion.
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Discuss Your Property
No cost. No obligation. A direct conversation about whether this program fits your deal.