Commercial Real Estate Loans
Whether you’re expanding your investment portfolio, aquiring a new property for your company headquarters, or restructuring debt, we have tailored financing solutions for your unique needs.
Lending Overview
Commercial Real Estate Loans
Renting a commercial property can be a nightmare. Between rent hikes, landowner restrictions, and tenant improvement battles, finding the freedom to grow isn’t easy. That’s why business owners choose to move away from renting and into owning commercial real estate. CRE loans make it affordable to switch and start building equity for the business’s future. CRE loans also make it possible to close quickly on real estate investments and buy income-generating properties. Loans can be used for warehouses, parking structures, office buildings, multi-family housing, and mixed-use properties. Not all CRE loans require a high credit score to qualify for long or short-term CRE financing options. SBA and traditional commercial mortgages offer low-interest rates on long-term financing, while bridge and hard money loans help investors act quickly. When it’s time to move away from renting, it’s time to talk to a broker about low-cost financing for your next big investment.
Smart Strategies
How to Effectively Apply Funds
Long-term CRE loans are best when you plan to use a “buy & hold” strategy. They let you spread the cost of property out for 20 years or more at a low-interest rate. SBA loans, traditional mortgages, and USDA loans are just a few of the options available for “buy & hold” investors. Examples of short-term solutions are bridge loans, hard money loans, and term loans. They give you cash upfront to buy “fix & flip” properties or income-generators like rentals and hotels. Short-term loans come through quickly and can be paid down once the investment pays off. Term-to-perm loans marry the best of both worlds, allowing investors to access capital quickly and then transition to a long-term mortgage. Ask your broker for details.
Advantages of
Commercial Real Estate Loans
CRE loans make owning commercial property affordable.
Long and short-term financing is available.
You don’t need a great credit score to qualify.
SBA loans come with low interest rates.
Our Values
We are dedicated to serving each client at the highest level.
Integrity
Innovation
Trust
Tailored Lending Solutions
Financing for a broad variety of property types
Hotels
Hotels, motels, inns, and getaways all require an initial purchase before they can profit the investor. But CRE investors don’t always want a long-term commitment. Bridge and hard money loans can cover the cost of new property without prepayment penalties and other fees. Find the best ways to finance your next investment by speaking with a qualified broker today.
Offices
Whether your business needs a place to call home or you want to generate income from renting to other businesses, a CRE loan can help make it happen. Purchase office properties with ease when you get the right financing from our lender network. Ask your broker to match you with the best deals.
Mixed-Use
City planning is moving increasingly toward mixed-use properties, whether apartments and retail space or offices and parking. CRE loans can cover them all, with low minimums and reasonable rates. Take advantage of mixed-use property deals and close with a cash offer when you choose to work with our brokers.
FAQ
Frequently
Asked Questions
Q. What’s the difference between commercial and residential loans?
Commercial loans are given to businesses and corporate investors looking to buy real estate. They’re usually for higher amounts than residential loans and can cost significantly more. In addition, amortization on a commercial loan can extend past the loan term, requiring a balloon interest payment at the end. For details, ask our professional brokers.
Q. Are multi-family properties residential or commercial?
The line between commercial and residential property isn’t alway clear when it comes to housing. What qualifies as commercial can vary from city to city, but a general rule is that property with four or more units counts as commercial. Fewer units would be considered residential. However, buying an entire subdivision with multiple single-family properties can qualify you for a commercial loan. To get a customized look at the type of loans you need, contact a broker today.
Q. How can I qualify for a CRE loan?
Qualifications vary by lenders, but you don’t always need good credit to qualify. Asset-based loans rely on the value of the property you’re buying, not your credit score. If you’ve been turned down for CRE loans in the past, a Small Business Administration loan can help. To find out how to qualify for those CRE loans and more, talk to your broker.
Q. Can I use a CRE loan to pay for renovations?
Yes, you can use a CRE loan when you’re buying property that needs repairs or upgrades. ARV loans use the projected value of the property as the basis for a loan, giving you extra capital to invest in renovations. Ask a broker to learn more about hard money loans and SBA 7a loans available in your area.
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