Commercial Loans in 43 States
Commercial financing in 43 states for multifamily, mixed-use, retail, office, industrial, bridge, fix-and-flip, Ground Up Construction and commercial refinance. Availability varies by lender, state and project.
Is Commercial Loans a fit for you?
- Investors buying 5+ unit apartment buildings
- Owner-users buying their business's building
- Fix-and-flip and value-add investors
- Developers and builders
- Owners refinancing or pulling cash out of commercial property
Wide Lender Network
Banks, credit unions, debt funds, private lenders and agency options.
All Property Types
Multifamily, mixed-use, retail, office, industrial and more.
Short- and Long-Term
Bridge, Ground Up Construction and permanent financing.
Deal-Level Guidance
I help package your deal so lenders see its strengths.
Property Types & Strategies
Multifamily (5+ Units)
Purchase or refinance apartment buildings with bank, agency-style and private options. Lenders focus on rent rolls, operating history and DSCR.
Mixed-Use
Residential over retail or office. Lender appetite depends on the commercial share and tenant mix.
Retail / Office / Industrial
Investor-owned and owner-occupied properties, from neighborhood retail and offices to warehouses and flex space.
Bridge & Fix-and-Flip
Short-term financing to acquire, renovate, stabilize or resell, often with rehab funds drawn as work is completed.
Ground Up Construction
Financing for new construction from the ground up, plus heavy rehab, with draw schedules, budgets and experience requirements that vary by lender.
Commercial Refinance / Cash-Out
Refinance maturing debt, lower your payment or pull equity to reinvest.
The Commercial Loans Process
Deal review
Share the property, rent roll, financials and your plan.
Lender matching
I take the deal to lenders that fit the asset and strategy.
Term sheet
Compare terms, leverage, rate structure and prepayment.
Third-party reports & underwriting
Appraisal, environmental and other reports as required.
Close
Final loan documents and funding.
General Guidelines
General information only. Actual requirements vary by lender and scenario.
| Loan-to-value | Varies by lender and property type |
|---|---|
| DSCR | Commonly required; varies by lender |
| Terms | Short-term bridge to long-term fixed; varies by lender |
| Recourse | Recourse and non-recourse options (varies by lender) |
| Prepayment | Varies by lender and loan type |
| Documentation | Rent rolls, operating statements, borrower financials |
Business-purpose loan: commercial and business-purpose loans are not consumer loans and are subject to different terms, disclosures and underwriting.
Today's Rates
Rates shown are for informational purposes, change daily, and are not a commitment to lend. Your rate depends on credit, loan amount, property and other factors.
Mortgage Payment Calculator
Loan Term30 Years
1.25% is a planning assumption, not a property-specific quote.
Enter any financed funding, guarantee or upfront insurance fee.
Estimated Monthly Payment
$2,689
Including taxes & insurance · $2,023 principal & interest
Payment Breakdown
- Principal & Interest
- $2,023
- Property Taxes
- $417
- Homeowners Insurance
- $250
- HOA Dues
- $0
- PMI
- $0
Loan Summary
- Base Loan Amount
- $320,000
- Financed Upfront Fee
- $0
- Total Financed
- $320,000
- Loan-to-Value
- 80.0%
- Total Interest (P&I)
- $408,142
Estimates only, not a loan offer or commitment to lend. Rates, taxes and insurance are editable planning assumptions. Program selection is not an eligibility determination. Mortgage insurance and upfront fees vary by program and lender; enter your quoted amounts. Actual payments may differ. VA loans have no monthly mortgage insurance.
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