A commercial loan allows you to secure higher loan amounts, lower interest rates, and longer repayment terms for real estate investments.
Our financing experts, underwriting, and closing teams ensure your application is processed efficiently with a higher likelihood of approval.
It takes just four minutes and some basic information to get started, and we’ll guide you through every step of your application from there.
Get an approval decision in as little as one to two weeks and have your funds deposited within 30 to 45 days after you accept your offer.
We'll help you determine your fit for a Commercial Loan with complete transparency and work with you to secure the best rate and terms.
A commercial loan is a debt-based financing option made to a business to fund the purchase, development, or construction of commercial property.
A commercial loan is best suited for purchasing, developing, or constructing a commercial property. However, there are some other use cases.
Lenders’ commercial loan requirements will vary, but the following are the minimum criteria.
A commercial loan is a debt-based funding arrangement for purchasing, developing, or constructing commercial properties. It is affordable, long-term, and uncapped. Businesses that do not qualify for an SBA 7(a) or 504 Loan or need more funding than can be secured through an SBA program may consider a commercial loan viable.
Commercial loans work similarly to residential mortgage loans. One of the key differences, however, is that a commercial loan is secured against a commercial property instead of a residential property. Another key difference is that the Loan-to-Value (LTV) for a commercial loan may be limited to 75-80%. Lenders will also consider your business’s Debt Service Coverage Ratio (DSCR), so cash flow is important. The higher your business’s DSCR, the higher your likelihood of approval.
Exact terms will vary based on the lender, property type, DSCR of the business, creditworthiness of the borrower, and other factors.
Any business seeking a significant capital raise for a real estate investment, and whose options do not include an SBA loan, should consider applying.
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