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Flexible Commercial Real Estate Financing Solutions

CRE Loans

Whether your business is buying and selling real estate or you just need real estate to house your business, use a CRE loan to do it affordably.

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Understanding

CRE Loans

Commercial Real Estate loans are not like residential mortgages.

They’re designed with shorter terms and extended amortization periods that fit with business goals. You can get permanent, SBA, or bridge CRE loans depending on how you want to use the property.

Banks, credit unions, private lenders, and even insurance companies offer CRE loans for businesses of all sizes. To help you find the best lender, a professional broker will save you the time and hassle of bouncing around from bank to bank. You’ll see all of your options in one place and get an unbiased opinion based on your unique business needs.

How to Effectively

Apply Funds

Depending on your needs, your business can utilize a CRE loan to buy and hold or buy and resell real estate properties.

Long-term CRE loans can help you get new space for your business operations. Most loans require you to occupy a percentage of that space yourself, but allow you to rent the remaining space to other businesses. Short-term CRE loans are ideal when you want income-generating properties like multi-family housing, hotels, and warehouses.

Just as commercial real estate comes in many shapes and sizes, so do the loans that finance them. A bridge loan will let you borrow money in the short term so you can cover financing gaps. Use one for fix & flip investing or to meet expenses before long-term financing comes through. A term loan gives you cash for an initial purchase and you pay only interest during the life of the loan. At the end of the term, the principal is paid in a balloon payment. A term-to-perm loan lets you finance the principal after the term loan has ended.

Funding Options

Fix & Flip

Use a short-term CRE loan to buy property that you can renovate and resell. Loans can cover the initial purchase only or fold in the costs for renovations. Once you’ve sold the property, use part of the profits to pay off the loan balance. No long-term commitment is needed.
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Income-Generating

Income-generating properties are those that return money month after month. They include real estate like office buildings, multi-family housing, hotels, and other rental space. A short-term CRE loan will fund your initial investment and let you repay the loan faster without spending tons of cash on interest.
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Owner-Occupied

Businesses that buy property for their own operational needs can qualify for owner-occupied funding. These CRE loans often have minimum occupancy requirements, but offer lower interest rates and reduced down payments. Get out from under a lease that puts money in someone else’s pockets and robs your business of the opportunity to gain equity.
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Still Have Questions?

We’ve Got The Answers

Q. What is an owner-occupied loan for business?
“Owner-occupied” is a term that means the entity buying the property will also be using that space itself. You can use the entire building, or just a portion of it to qualify for owner-occupied CRE loans. Interest rates and down payment requirements are often lower for these loans because the lender knows you’re invested in the property.
Q. How do I qualify for a CRE loan?
Qualifications depend on the lender you choose for your CRE loan. Most lenders will ask for your tax returns, financial reports, bank statements, collateral, and an appraisal of the property you wish to buy. Banks and credit unions typically have more stringent requirements than private lenders. The SBA requires a 51% minimum occupancy but will lend to businesses having trouble with their credit. Ask your broker for specific information.
Q. Who has the best CRE loans?
There’s no one-size-fits-all CRE loan. That’s why you should work with a professional broker to find the loan you need. They’ll help you define your goals, choose a lender, and navigate the application process. If you’re not in the best position to get a CRE loan, your broker will help you get there.
Q. Can I get a CRE loan with bad credit?
While a high credit score will typically get you better rates and terms, you don’t need an excellent credit rating to get approved. Some lenders, especially the SBA, will loan to businesses with a troubled credit history or newly-established credit.

Commercial Real Estate Loan

Advantages

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  • Get cash fast 
  • Bad credit, no problem 
  • 75% LTV or higher

What We Do

Why Clients Choose Us?

Clients choose us for our commitment to delivering personalized financial solutions that align with their business goals. Our team’s dedication to transparency, speed, and exceptional service ensures a seamless experience from application to funding.

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