Commercial Real Estate Loans
Multifamily, retail, office, industrial, self-storage, and hospitality. One application, shopped across banks, credit unions, debt funds, and private capital — so you see the real market, not one lender's box.
Loan Programs & Current Pricing
Permanent / Term Loans
6.25% – 8.50%
5, 7, and 10-year fixed · 25–30 yr amortization
- Stabilized properties with 1.20x+ DSCR
- Recourse and non-recourse options
- $500K – $25M+
Commercial Bridge Loans
9.00% – 12.00%
12 – 36 months, interest only
- Value-add, lease-up, and repositioning
- Close in as little as 14–21 days
- Rehab holdbacks available
SBA 7(a) & 504
Prime-based / fixed 504 debenture
10 – 25 years
- Owner-occupied (51%+) commercial real estate
- As little as 10% down
- Long amortization, lower payment
Construction & Ground-Up
9.50% – 13.00%
12 – 24 months
- Experienced sponsors with entitlements in place
- Up to 70% loan-to-cost
- Draw schedule with third-party inspections
Rates shown are indicative ranges as of 2026 and vary by property type, leverage, DSCR, sponsor strength, and market. Not a commitment to lend.
Property Types We Finance
Multifamily (5+ units)
Up to 75% LTV
Purchase, refinance, and value-add on stabilized or lease-up apartment buildings.
Retail & Strip Centers
Up to 70% LTV
Anchored and unanchored centers, single-tenant net lease, and mixed-use storefronts.
Office & Medical Office
Up to 65% LTV
Suburban office, medical/dental condos, and owner-occupied professional space.
Industrial & Warehouse
Up to 75% LTV
Flex space, light industrial, distribution, and owner-user manufacturing.
Self-Storage
Up to 70% LTV
Stabilized facilities and expansion/conversion projects with a clear lease-up plan.
Hospitality
Up to 65% LTV
Flagged and independent hotels — bridge to stabilization or permanent takeout.
What Underwriting Actually Looks At
Commercial lending is property-first. Before anyone looks at your tax returns, they run the net operating income against the proposed debt service. If the property clears a 1.20x DSCR at the quoted rate, you have a deal to negotiate. If it does not, the conversation shifts to leverage, term, or a bridge loan that gets the asset stabilized first.
The three documents that move a commercial file fastest are a current rent roll, a trailing-12 profit and loss, and a purchase contract or existing note. Send those three and we can hand you a realistic range the same day instead of a teaser rate you will never actually close at.
We are a broker, not a single lender. That means your file goes to the banks, credit unions, debt funds, and private lenders whose box your deal actually fits — and you are not stuck with one institution's answer.
Commercial Real Estate Loan FAQs
What credit score do I need for a commercial real estate loan?
Most of our commercial programs start at a 660 FICO, and bridge lenders will go to 620 with a strong property and a meaningful down payment. Commercial underwriting weighs the property's income, your liquidity, and your experience far more heavily than a consumer mortgage does.
How much do I have to put down on commercial property?
Plan on 25%–35% down for investment property. Owner-occupied deals through SBA 504 or 7(a) can go as low as 10% down because the SBA guarantee covers part of the lender's risk.
How fast can a commercial loan close?
A commercial bridge loan can close in 14–21 days when title, the appraisal, and a rent roll are ready. Permanent debt and SBA loans typically run 45–75 days because of third-party reports and agency review.
Do you offer non-recourse commercial loans?
Yes, on stabilized properties above roughly $2M with strong debt coverage. Non-recourse pricing is usually 25–50 bps higher than a recourse quote, and standard bad-boy carve-outs still apply.
What is DSCR on a commercial loan?
DSCR is net operating income divided by annual debt service. Most commercial lenders require 1.20x–1.25x, meaning the property produces at least $1.20 of NOI for every $1.00 of mortgage payment.
Can I finance a commercial property in an LLC?
Yes — commercial lenders expect it. Nearly every deal we place closes in an LLC or a single-purpose entity, with the members providing a personal guarantee on recourse loans.