REAL ESTATE / COMMERCIAL
Commercial Real Estate Loans
Commercial real estate financing turns on property type, income, occupancy, leverage, borrower strength, business use, and exit—not just the street address.
Finance the Property Like an Operating Asset.
Commercial real estate financing is evaluated around property operations, tenants, leases, value and the borrower's strength. Owner-occupied and investment transactions follow different paths.
Where it can fit
- Owners of income-producing commercial property
- Businesses buying eligible premises
Common uses
What shapes the file.
- Net operating income
- Lease quality and rollover
- Property condition and leverage
General product guidance. A provider’s actual criteria and review determine eligibility.
Documents to prepare
- Purchase contract or current loan statement
- Rent roll, leases and property operating statement
- Property valuation, insurance and reserve information
Know the tradeoffs.
- Tenant rollover can change income during the loan.
- Environmental review, appraisal and a balloon maturity can affect the transaction.
↳ / CAPITAL, CONSIDERED
Go deeper into this lane.
Hospitality Property FinancingHospitality financing combines real estate underwriting with operating-business risk, making cash flow, management, seasonality, leverage, and exit especially important.Industrial Property FinancingIndustrial financing depends on property use, tenant or owner-occupant economics, leverage, condition, and exit strategy.Mixed-Use Property FinancingMixed-use financing has to account for the interaction between residential, retail, office, or other components rather than pretending the asset is one-dimensional.Multifamily FinancingMultifamily financing turns on occupancy, rents, expenses, leverage, property condition, borrower strength, and the business plan for the asset.Office Property FinancingOffice financing should be evaluated around occupancy, lease rollover, tenant quality, market position, leverage, and exit strategy.Retail Property FinancingRetail property financing depends on tenants, occupancy, lease quality, location, cash flow, leverage, and the plan for the asset.
T / CAPITAL, CONSIDERED
Put the numbers to work.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
Q / CAPITAL, CONSIDERED
A question worth asking.
Is a long amortization the same as a long maturity?
No. Payments may be calculated over one period while the remaining balance comes due much earlier. Read both dates.
YOUR NEXT MOVE
Make your next move an informed one.
Start with your profile. Understand the tradeoffs. Prepare a clear request.