Commercial Loans
Comprehensive commercial real estate financing for office, retail, and industrial properties.
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Overview
Commercial Real Estate loans provide comprehensive financing solutions for office buildings, retail centers, industrial properties, and multi-family developments. Our commercial lending team specializes in structuring flexible financing packages that meet the unique needs of property investors, developers, and business owners looking to acquire, refinance, or develop commercial properties.
With loan amounts ranging from $1 million to $50 million and beyond, we offer competitive rates, flexible terms, and expert guidance throughout the entire process. Our experienced commercial lenders understand the complexities of commercial real estate transactions and work closely with borrowers to structure loans that support their investment objectives and cash flow requirements.
Key Benefits
- Loan amounts from $1 million to $50 million+
- Competitive interest rates and flexible terms
- Experienced commercial lending team
- Multiple property types eligible
- Non-recourse options available for qualified borrowers
- Interest-only payment periods available
- Cash-out refinancing options
- Portfolio lending capabilities
- SBA loan programs available
- Quick pre-approval process
Requirements
- Minimum loan amount of $1 million
- Property must generate income or have income potential
- Debt Service Coverage Ratio of 1.25 or higher
- Down payment of 20-30% depending on property type
- Credit score of 680 or higher
- Demonstrated commercial real estate experience
- Property appraisal and environmental assessment
- Financial statements and tax returns
- Property management plan for income properties
Our Process
Initial consultation and loan program selection
Property evaluation and preliminary underwriting
Formal loan application and documentation submission
Property appraisal and environmental due diligence
Final underwriting and loan committee approval
Loan documentation and legal review
Closing coordination and fund disbursement
Frequently Asked Questions
What types of commercial properties do you finance?
We finance office buildings, retail centers, industrial properties, warehouses, multi-family apartments, mixed-use developments, and special-purpose properties like hotels and medical facilities.
What is the typical loan-to-value ratio for commercial loans?
LTV ratios typically range from 70-80% depending on property type, borrower strength, and market conditions. Stronger borrowers and properties may qualify for higher leverage.
How long does the commercial loan process take?
Commercial loan closings typically take 45-60 days from complete application, depending on property complexity, environmental assessments, and due diligence requirements.
Do you offer non-recourse financing?
Yes, non-recourse options are available for qualified borrowers and stabilized income-producing properties. Personal guarantees may be limited to specific carve-out situations.
Can you finance properties that need renovation?
Yes, we offer renovation and value-add financing programs that include funds for property improvements and repositioning strategies.
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