Business Base or Investment Gold
Commercial property serves multiple wealth-building purposes—housing your business operations while building equity, or generating passive income through strategic investment acquisitions. Whether you're establishing your first location, expanding operations, transitioning from renting to owning, or building a commercial real estate portfolio, commercial loans transform business cash flow into property equity while providing operational control or investment returns that residential properties can't match. Smart business owners and investors understand that commercial real estate financing creates appreciating assets that strengthen portfolios while generating predictable income streams.
Available Programs
Loan Terms
- 10-Year Fixed Terms
- 15-Year Fixed Terms
- 20-Year Fixed Terms
- 25-Year Amortization Schedules
Rate Type Options
- Fixed Rate
- Adjustable Rate
- Hybrid ARM Products
Specialized Programs
- SBA 504 Loans (Owner-Occupied)
- Investment Property Commercial Financing
- Multi-Tenant Investment Properties
- Mixed-Use Development Loans
- Net-Lease Investment Properties
Refinance
- Rate-and-Term Commercial Refinancing
- Cash-Out Refinancing
- Portfolio Consolidation
- Investment Property Optimization
Business Operations and Investment Income Converge
Commercial loans enable business owners to stop paying rent and start building equity while gaining operational control, or allow investors to acquire income-producing properties with superior returns to residential rentals. Owner-occupied properties provide stability against rent increases and operational freedom, while investment commercial properties offer higher cap rates, longer-term leases, and professional tenant relationships that reduce management headaches. Unlike residential investments dependent on individual renters, commercial properties often feature established businesses with multi-year lease commitments, creating more predictable cash flow for both debt service and investor returns.
Basic Qualifications Framework
Credit Requirements
- Minimum credit score of 680 for most programs
- 720+ scores for optimal rates and terms
- Business and personal credit evaluation required
Down Payment Requirements
- 15-25% for owner-occupied properties
- 25-35% for investment commercial properties
- SBA programs allow 10-15% down payment options (owner-occupied only)
- Higher down payments often improve pricing
Income & Employment
- Business financial statements for owner-occupied properties
- Personal income verification and investment experience for certain loan types
- Debt service coverage ratios 1.15-1.25x minimum
- Property cash flow analysis for investment properties
Property Details
- Office buildings, retail spaces, warehouses, manufacturing facilities
- Multi-tenant investment properties and shopping centers
- Mixed-use properties with commercial/residential components
- Net-lease properties with established tenants
Mortgage Insurance
- Not available for commercial properties
- Personal guarantees typically required
- Business or investment asset collateralization common
Commercial Property Success Demands Professional Partnership
Commercial real estate financing involves complexities that residential loans never encounter, from tenant lease analysis and property income verification to environmental assessments and zoning compliance. Investment properties require evaluation of market rents, tenant creditworthiness, and local economic factors that impact occupancy rates and property values. Owner-occupied properties need business financial analysis to ensure operations can support debt service while maintaining growth capital. Our commercial lending specialists bring years of market experience to guide both business owners and investors through documentation requirements, property due diligence, and loan structuring that maximizes approvals while optimizing long-term financial outcomes.
Ready to own commercial real estate? Contact our commercial lending specialists who understand how to structure both business property financing and investment property acquisitions that build long-term wealth through strategic commercial real estate ownership.
**Commercial loans may be subject to business/investment income verification, property appraisals, and personal guarantees. Interest rates typically higher than residential loans. Property and business assets serve as collateral.