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Commercial Real Estate
Acquisition, refinance, bridge, and construction financing across every property type.
Fix & Flip Loans
Short-term financing for purchasing and renovating investment properties.
Fix & Flip — No Monthly Payments
A 12-month fix and flip loan with no monthly payments. The interest is settled when you sell or refinance.
Commercial Real Estate Loan
Financing to purchase or refinance owner-occupied or investment commercial property.
Bridge Loan
Short-term financing to bridge the gap until permanent financing or a sale closes.
Construction / Commercial Development Financing
Financing for ground-up construction or major commercial development.
Multifamily Financing
Financing for apartment buildings and multi-unit residential properties.
Retail Property Financing
Financing for shopping centers, strip malls, and standalone retail buildings.
Office Financing
Financing for office buildings, owner-occupied or leased to tenants.
Industrial Financing
Financing for manufacturing facilities, flex space, and industrial properties.
Mixed-Use Financing
Financing for properties combining residential, retail, or office space.
Hospitality Financing
Financing for hotels, motels, and other hospitality properties.
Owner-Occupied Commercial Real Estate
Financing to purchase the building your business operates from.
Investment Property Financing
Financing for commercial property purchased to lease out for income.
Commercial Property Acquisition
Financing structured around acquiring a specific commercial property.
Commercial Cash-Out Refinance
Refinance your commercial property and pull out equity as cash.
DSCR Financing
Qualify based on a property's rental income, not your personal income.
Gas Station & C-Store Financing
Buy, refinance or build a fuel station — including the tanks and the environmental work.
What lenders actually look at
The property's income
Net operating income against the proposed payment. On commercial property this matters more than your personal income does.
Occupancy and leases
Who is in the building, on what terms, and for how long. A stabilised building is a different file from a half-empty one.
Property type
Multifamily, retail, office, industrial and special-purpose are each priced and underwritten differently, and not every lender writes all of them.
Equity and value
How much you are putting in, supported by an appraisal. Each lender publishes its own ceiling.
Experience
Whether you have operated this kind of building before. It carries real weight on anything beyond a small multifamily.
Condition and environmental
Some property types require environmental reports before anyone funds. Special-purpose assets almost always do.
Questions we get asked
What kinds of commercial property do you place?
Multifamily, retail, office, industrial, warehouse, mixed-use, hospitality and special-purpose assets such as fuel stations. Which lenders fit depends heavily on the type.
Is this different from a residential investment loan?
Yes. Five or more units, and anything commercial, is underwritten on the property's income rather than on a rent-to-payment ratio for a house.
Can I buy through an entity?
Commercial lending is normally written to an entity. The owners typically sign a personal guarantee, though some larger loans are non-recourse.
How much do I need to put in?
It varies by lender, by property type and by the building's income. Owner-occupied property through the SBA generally needs less than an investment purchase.
Do you handle owner-occupied purchases?
Yes — a business buying its own building is often best served by an SBA 504 or 7(a) rather than a conventional commercial mortgage.
Tell us about the property
Four short steps. The type, the value and the income are what matter.
Step 1 of 5
Buy or refinance commercial property
About the property
Start with what it is and what you're trying to do.
This is not an offer and not an approval. Terms are set by a lender, in writing, after underwriting, and vary by lender, by property and by file.
Get commercial loan options
Send us the type, the numbers and what you are trying to do. We will tell you which of our lenders write that asset.