Commercial Loans
Financing structured around property income, risk, and strategy.
Commercial financing funds income-producing real estate - office, retail, industrial, multifamily, and mixed-use. Underwriting centers on the asset itself: what it earns, what it costs to operate, and how the deal is structured. Your experience and financial profile still matter, but the property carries the file.
What a Commercial Loan Looks Like
A quick read on who this program fits, what it takes to qualify, and where the money goes - so nothing feels like a surprise.
Who It’s For
Financing structured around property income, risk, and strategy.
- Investors buying multifamily, office, retail, industrial, or mixed-use property
- Owners refinancing or repositioning an existing commercial asset
- Business owners purchasing the building they operate from
How You Qualify
Underwriting reviews credit, income, and the property together to build the loan.
- Down payment generally 20%-30% depending on asset and risk
- Property income that covers debt service with room to spare
- Rent roll, operating statements, and a clear exit or hold strategy
What It Costs
Plan for 20%-30% down. Multifamily often prices best; specialty and single-tenant assets usually require more equity. - Budget 2%-5% of the loan amount plus third-party reports - appraisal, environmental, and property condition assessments are common on commercial files.
- Qualification driven by property cash flow rather than personal income alone
- Flexible deal structures for acquisition, refinance, or repositioning
- Support across multiple property types and asset classes
What You’ll Need to Qualify
- Down payment generally 20%-30% depending on asset and risk
- Property income that covers debt service with room to spare
- Rent roll, operating statements, and a clear exit or hold strategy
- Borrower financial statement and schedule of real estate owned
Have These Ready
- Rent roll and current leases
- Trailing 12 months of operating statements
- Two years of business and personal tax returns
- Personal financial statement and schedule of real estate owned
- Purchase contract or existing loan statement
- Entity documents for the borrowing LLC or corporation
Not Sure If You Qualify Yet?
A licensed loan advisor will walk your numbers with you - no credit pull, no obligation. You’ll leave the call knowing exactly what to fix first.
The Upside - and What to Weigh
Every program has trade-offs. Here’s the honest picture side by side, without the marketing gloss.
Benefits
- Qualification driven by property cash flow rather than personal income alone
- Flexible deal structures for acquisition, refinance, or repositioning
- Support across multiple property types and asset classes
- Entity ownership is standard - close in an LLC, LP, or corporation
Considerations
- Larger down payment than residential financing
- Shorter terms with balloon or reset structures on many programs
- Longer diligence: appraisal, environmental, and title work take time
- Buyers of a primary residence or a one-to-four unit rental - those are residential programs
- Investors who need the lowest possible rate (residential loans price better)
- Deals without documented property income or a credible plan to create it
Run the Numbers on a Commercial Loan
Adjust the price, down payment, and rate to see an estimated monthly payment. Great for narrowing the search before you formally apply - a quick preapproval confirms your real numbers.
Estimate only. Taxes, insurance, and PMI vary by location and loan program.
Get Preapproved
From Application to Keys in Most commercial loans close in 45-60 days. Third-party reports, not underwriting, usually set the pace.
- 01Apply
Quick online form or a 10-minute call.
- 02Verify
Income, assets, and credit reviewed together.
- 03Appraisal
Property value confirmed for the loan amount.
- 04Close
Sign, fund, and get your keys.
More for Commercial Loans Shoppers
Compare Similar Programs
Run the Numbers
Read up Before You Apply
- DSCR Loans: Scaling a Rental Portfolio
Why DSCR is the workhorse for investors qualifying on property cash flow, and how the ratio actually gets calculated.
Open - Bank Statement Loans: the Self-Employed Playbook
How bank statement underwriting reads your business, what to prepare, and where these loans win over conventional.
Open - Debt-to-Income Ratio: How Lenders Read Yours
Front-end vs back-end DTI, what actually counts as debt, and how each program treats the ratio.
Open
Questions We Hear About Commercial Loans
Can’t find yours here? A licensed advisor can walk through your specific situation in under 15 minutes.
Straight answers, no pressure - email or call directly.
See if a Commercial Loan Fits Your Situation.
A 10-minute preapproval gives you real numbers and a licensed advisor to answer questions - no pressure, no obligation.
