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Commercial Real Estate Financing

Flexible capital for office, retail, industrial, and multi-family properties—grow your commercial portfolio.
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Commercial Real Estate Financing

Commercial real estate loans provide financing for income-producing properties such as office buildings, retail centers, industrial warehouses, and multi-family complexes (5+ units). These loans are structured around property cash flow, tenant quality, and location.

Income Property

Financing based on property NOI and cash flow

Flexible Terms

5-25 year amortization options

No Collateral

Acquire, refinance, or cash-out

Typical Terms

Loan Amount

$500,000 - $50,000,000+

Interest Rates

Starting at 5.5% - 8.5% (varies by property type)

LTV

Up to 75% of property value

Term Length

5-25 year amortization; 3-10 year balloons

DSCR Requirement

1.20+ preferred

Time to Fund

30-90 days (varies by complexity)

* Rates and terms shown are typical starting points and vary by property type, credit profile, and market conditions.

Property Types We Finance

  • Multi-family apartments (5+ units)
  • Office buildings
  • Retail and shopping centers
  • Industrial and warehouse facilities
  • Mixed-use properties
  • Self-storage facilities
  • Hospitality (select properties)
  • Special-use commercial

Eligibility Requirements

  • Personal credit score 660+ preferred (may vary by loan size)
  • Property generating positive net operating income (NOI)
  • DSCR ≥ 1.20 (property income covers debt by 20%+)
  • Down payment or equity of 20-25%

Required Documents

  • Government-issued ID
  • Property financials: rent roll, trailing 12-month P&L, tax returns
  • Personal financial statement and tax returns (last 2 years)
  • Environmental reports (Phase I) if required
  • Appraisal and property inspection
Request Commercial Terms