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🏢Commercial Real Estate Loans

Purchase, refinance, or renovate commercial property with long-term financing designed for business owners. From office buildings to warehouses, retail storefronts to mixed-use properties — get the space your business needs.

$100K – $5M+
Loan Amounts
5 – 25 years
Terms
30 – 90 days
Speed to Fund
650+
Min. Credit
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months in Business✓ No Hard Credit Pull✓ All Industries

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See What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
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Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners

SBA Preferred Lenders
Community Banks
Credit Unions
Specialty Finance Companies
Online Lending Platforms

70+ vetted lending partners competing for your deal

How It Works

How Commercial Real Estate Loans Works

Commercial real estate loans function similarly to residential mortgages but are designed for business properties. You provide a down payment (typically 10–25%), and the lender finances the remainder. Repayment is in fixed monthly installments over 5–25 years. SBA 504 loans offer some of the best terms for owner-occupied properties.

Best For

Ideal Use Cases for Commercial Real Estate Loans

✓Purchasing owner-occupied commercial property
✓Refinancing existing commercial mortgages
✓Expanding to new locations or larger facilities
✓Building equity instead of paying rent
✓Mixed-use property investments

Real Scenarios

Who Uses Commercial Real Estate Loans?

These are the kinds of situations where commercial real estate loans make the most sense.

Law Firm Buying Their Office Building

A growing law firm purchases their three-story downtown office for $1.8M using an SBA 504 loan with ten percent down, locking in a 25-year fixed rate.

Auto Body Shop Purchasing Their Facility

An auto body shop owner stops paying $8K monthly rent by buying their building for $650K, with the property itself serving as collateral for the loan.

Medical Practice Expanding to a Second Location

A dermatology practice secures $1.2M to purchase and build out a satellite office in a growing suburban market twenty miles from their main clinic.

Restaurant Building a Flagship Location

A successful restaurant group buys a $2M mixed-use building downtown, operating the restaurant on the ground floor and leasing two floors of office space above.

Warehouse Acquisition for E-Commerce

An e-commerce brand purchases a 15,000-square-foot warehouse for $900K to bring fulfillment in-house and stop paying third-party logistics fees.

Daycare Center New Construction

A childcare business owner secures $1.5M in commercial real estate financing to build a purpose-designed facility on a vacant lot in a high-demand area.

Full Transparency

Pros & Cons of Commercial Real Estate Loans

We believe in full transparency. Here's what you should know.

✅ Advantages

✓Build equity in a tangible asset
✓Long repayment terms (up to 25 years)
✓Fixed rates available for predictable payments
✓Property appreciation potential
✓Tax-deductible interest and depreciation

⚠️ Considerations

•Larger down payment required (10–25%)
•Longer approval process (30–90 days)
•Extensive documentation and appraisal required
•Personal guarantee typically required
•Property serves as collateral
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Full Transparency

Is Commercial Real Estate Loans Right for You?

Honest answer. Not every product is the right fit. Here's how to tell.

✅ Good Fit If…

✓You are purchasing, refinancing, or renovating commercial property
✓You have a credit score of 650+ and at least 2 years in business
✓You can provide a 10–25% down payment on the property
✓You want to build equity instead of paying rent to a landlord
✓You can wait 30–90 days for the loan to close
✓You have strong financials and can provide tax returns and documentation
✓The property will be at least 51% owner-occupied

🚫 Consider Something Else If…

•You need funding in days or weeks — Working Capital or a Term Loan is much faster
•You do not have a 10%+ down payment available — other products require no down payment
•You are looking for a pure investment property with no owner-occupancy — specialized investment lenders are needed
•Your credit score is below 650 — alternative lending products have lower or no credit requirements
•You need capital for general operations, not real estate — Working Capital, Term Loans, or Lines of Credit are better suited
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Compare

How Commercial Real Estate Loans Compare

Side-by-side look at how this product stacks up against alternatives.

Commercial Real Estate LoanSBA 504 LoanConventional Mortgage
Speed to Fund30 – 90 days60 – 120 days30 – 60 days
Amounts$100K – $5M+$125K – $5M+$100K – $5M+
Repayment StructureFixed monthly, 5–25 yrsFixed monthly, 10–25 yrsFixed/variable, 5–20 yrs
Min. Credit Score650+680+680+
CollateralThe property itselfThe property itselfThe property itself
Best ForGeneral CRE purchasesLowest rates, owner-occupiedFaster close, flexible terms

Ready?

See What You Qualify For. No Credit Impact.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Industries

Popular in These Industries

Commercial Real Estate Loans are a top choice for business owners in these sectors.

HealthcareView Industry Hub →AttorneysView Industry Hub →RestaurantsView Industry Hub →ManufacturingView Industry Hub →Auto RepairView Industry Hub →

FAQs

Commercial Real Estate Loans FAQs

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