🏗️ Commercial Real Estate
Commercial Loans
Institutional-grade financing for office, retail, industrial, and multi-family properties.
🔒 Secure · No Obligation
Why This Loan
Commercial Loans
Commercial loans provide financing for income-producing or business-purpose properties beyond the scope of residential lending. These loans are used for office buildings, retail centers, industrial facilities, warehouses, and large multi-family properties.
Commercial real estate financing is underwritten differently than residential loans — lenders primarily evaluate the property’s income potential, debt service coverage, and market fundamentals alongside the borrower’s experience and financial strength.
Whether you are acquiring a new commercial asset, refinancing an existing portfolio, or developing a new project, commercial financing can be structured to match your investment thesis and timeline.
Quick Overview
Best for: Commercial investors, developers, business owners, REITs
Common use: Office, retail, industrial, multi-family (5+ units), mixed-use properties
DSCR (Debt Service Coverage Ratio): typically 1.20-1.25x minimum
LTV: typically 65-75% for stabilized assets
Why This Loan
Key Benefits
All Asset Classes
Finance office, retail, industrial, warehouse, multi-family, and mixed-use properties through our lender network.
Lower Down Payments
Loan sizing based on property NOI and debt service coverage — not just personal income.
Flexible Structures
Permanent loans, bridge financing, construction loans, and mezz debt available depending on need.
Portfolio Financing
Finance multiple commercial assets under umbrella structures or cross-collateralized arrangements.
Bridge to Permanent
Short-term bridge loans available to stabilize assets before placing permanent debt.
Experienced Lenders
Our commercial lender network understands complex deal structures and can accommodate most scenarios.
Qualifying
Qualification OverView
General Requirements
DSCR (Debt Service Coverage Ratio): typically 1.20-1.25x minimum
LTV: typically 65-75% for stabilized assets
Borrower experience and track record reviewed
Net operating income (NOI) documentation required
Final qualification is determined by individual lenders. Requirements vary. This is for informational purposes only.
Typical Documentation
Rent rolls and current leases
Last 2-3 years of property operating statements
Borrower personal financial statements
Entity formation documents and operating agreements
Documentation requirements vary by lender and loan program. Your matched lender will provide a specific list.
See if this loan fits your scenario
FAQ
Commercial Loans
Questions
DSCR (Debt Service Coverage Ratio) measures how much cash flow the property generates relative to its debt payments. A 1.25x DSCR means the property generates 25% more income than needed to cover debt — lenders see this as a buffer against vacancies or expenses.
Our lender network covers office, retail, industrial, warehouse, self-storage, multi-family (5+ units), mixed-use, and special-purpose properties. Hospitality and land may have limited options.
Permanent commercial loans typically have 5-10 year terms with 20-30 year amortization. Bridge loans are shorter, typically 12-36 months. Construction loans match the project timeline plus a stabilization period.
Many commercial lenders require a personal guarantee from principals owning 20%+ of the borrowing entity. Exceptions exist for strong stabilized assets or highly experienced sponsors.