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Commercial Real Estate Loans

Break the property lease cycle by purchasing commercial real estate for your business, or to lease to others.

Commercial Real Estate Loans Overview

Commercial real estate adds value to your small business by building equity and generating income. If you’re tired of sending your profits to a landlord, it’s time to look into financing commercial real estate. Give your business a long-term asset it can leverage in the future and stop lining someone else’s pockets.

The world of commercial real estate is full of possibilities from multi-family housing to industrial warehouses. Some, like hotels and office buildings, bring in money through leasing and rental customers. Others, like retail centers and fix and flip properties, generate income through sales profits. Owner-occupied properties not only save your company on rental costs but can generate revenue through leasing extra space.

For every type of commercial real estate out there, there’s a commercial real estate loan to help make it affordable. Your small business can get the boost it needs through hard money loans, SBA loans, and traditional mortgages. To find the best options, consult your broker today.

How to Effectively
Apply Funds

Regardless of how successful your business is, a commercial real estate loan can be the right move over purchasing properties outright. Commercial real estate loans allow you to save capital to invest elsewhere in your business. Effectively applying funds from a commercial real estate loan will depend on your business’s ultimate goals.

A hard money loan can be secured either on a property you already own or the real estate being funded. If that property is a hotel, apartment complex, or office building, you’re likely to generate income every month, which can be used to pay off the loan in a few years. Short-term loans free you from having to pay interest over ten years or more.

Some loans are only available if you intend to occupy the new space with your own business. Depending on the lender, you may be required to use 51% or more of the available space in the building. Not only do owner-occupied loans save you money in rental costs, but they still allow for potential rental income from the remainder of the property.

Commercial Real Estate Loan Options

Hard Money

It doesn’t make sense to be locked into a long-term loan for a property you intend to own for only a few years. If you’re looking to fix and flip properties for a quick turnover, look at a hard money loan. These short-term loans give you the capital you need to make a cash offer on a property.
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SBA Loans

Use an SBA 7a or SBA 504 loan to bring in real estate funding for your small business. Even if you’ve been turned down for a loan before, the SBA works with lenders to give you low-interest financing you can afford. Low money down and low-interest rates make SBA loans a valuable strategy.
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Traditional Mortgage

When you can afford to take your time, a traditional commercial real estate mortgage may be the right tool for your small business. Typically sourced from banks and credit unions, traditional mortgages can be difficult to qualify for because of strict regulations. But the approval process could be worth the wait for low-interest rate financing.
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F.A.Q’s

Q. Is multi-family housing commercial property?
Depending on how many units are included, multi-family housing can qualify as residential or commercial. Although there’s no official boundary, most lenders consider four units or more as commercial property.
Q. Where can I get the best rates on commercial real estate loans?
There are commercial real estate loans to suit any business. Which one is the best for you depends on your goals. The best way to find the right loan with the best rate for your business is by contacting a qualified professional broker.
Q. When is a commercial real estate loan not a good fit?
Commercial real estate loans are for buying business properties, not private homes. If you’re seeking funding for residential property, commercial real estate loans are likely not the right fit for you. Speak with a broker to discover the loan options available for residential buyers.
Q. What are commercial real estate bridge loans?
Bridge loans are designed to help businesses cover expenses between the time of purchase and when long-term financing is received. They are short-term loans lasting a few months to a few years and are meant to be replaced by long-term financing at the end of their term.

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