Commercial Real Estate for small business.

Commercial real estate financing covers the purchase, refinance, or cash-out of property used by or owned by your business — owner-occupied buildings, multifamily, retail, office, industrial, or hospitality assets.

Funding range
$250K–$25M
Typical term
5–30 years
Timing
Typically 30–60 days from a complete file
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How it works

How commercial real estate financing works

You apply with a property package (purchase contract or current loan docs, rent rolls if applicable), business and personal financials, and tax returns. Underwriting reviews property cash flow, your global financials, and the owner's personal credit. Closing happens after appraisal, title, and final docs — typically 30–60 days from a complete file.

Structure

How commercial real estate loans are structured

Use casesPurchase, refinance, cash-out, construction-to-perm, bridge
What you receiveFunding paid at closing through title/escrow
RepaymentFixed monthly amortization (full-am or balloon)
Typical term5–30 years; amortization to 25–30 years
CollateralFirst lien on the subject property; personal guarantee often required
DisbursementAt closing, 30–60 days after complete file

The written offer and financing contract contain the economic terms that apply to this structure — including the total repayment where the structure establishes one — before you commit.

What you'll need

Typical profile

  • Subject property package or purchase contract
  • Business and personal tax returns (2–3 years)
  • Personal financial statement and credit
  • Property operating statements or rent roll (if income-producing)

Requirements vary by product, provider, and overall business profile.

Pricing & terms

What shapes your terms

No single number decides an offer. Underwriting weighs how these factors combine on your file:

  • Revenue level and deposit consistency
  • Time in business and industry
  • Existing obligations and payment history
  • Collateral or guarantees, where the structure uses them
  • Documentation completeness and overall file quality
  • The structure itself — pricing mechanics differ by product
Who this is right for

Who commercial real estate financing fits

Commercial real estate financing fits operators buying their own building, refinancing an existing property loan, pulling equity out of owned real estate, or financing investment property. The property's cash flow and your business profile both drive structure.

Frequently asked questions

See your commercial real estate financing options

4 minutes. No credit pull at this stage.

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