Overview
Commercial Real Estate Loans help businesses purchase or improve property for business operations. These loans offer fixed rates and terms aligned with long-term property ownership.
Key Benefits
Fixed interest rates provide payment certainty
Long-term financing (up to 20-25 years)
Build equity in business property
Tax deductions for interest and depreciation
Competitive rates with commercial lenders
Available for purchase, refinance, or improvement
Qualifications
- • Property must be for business use (owner-occupied or investment)
- • Down payment typically 20-30%
- • Personal credit score of 680+
- • Business must show strong cash flow
- • Property appraisal required
- • Personal guarantee typically required
Funding Amounts
Minimum
$100,000
Typical Range
$500,000 - $3,000,000
Maximum
$5,000,000
Funding Timeline
Typical approval: 3-6 weeks
Actual timelines depend on application completeness and lender review. Faster approval may be available for well-qualified applicants.
Frequently Asked Questions
Can I use commercial real estate financing for personal property?
No, commercial real estate loans must be used for business purposes. Investment properties used by your business qualify.
How much down payment is required?
Typical down payment is 20-30% of the property value, though terms vary by lender and property type.
Can I refinance existing commercial property?
Yes, refinancing is available to access better rates or cash out equity for business improvements.
Ready to Explore Commercial Real Estate Loans?
Start your application today to connect with lending partners specializing in this program.
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