Commercial Real Estate Loans
Finance the acquisition, refinance, or improvement of commercial property. Rates starting at 5.33% APR, SBA 504 with 10% down for owner-occupied, and bridge financing for value-add acquisitions.
Own the Building Your Business Operates From.
Commercial real estate loans finance the purchase, refinance, or improvement of income-producing properties — office buildings, retail centers, industrial warehouses, multifamily housing (5+ units), mixed-use, and owner-occupied business properties. As of May 2026, commercial mortgage rates start at 5.33% APR, with conventional bank rates ranging from 5.87% to 10.50% depending on property type, borrower profile, and loan structure.
The US commercial real estate market faces a significant $1.2 trillion maturity wall in 2025–2026 — billions in loans originally written at 4.91% average are coming due and must be refinanced at current 6%+ rates. This creates both challenge and opportunity: refinancing pressure for some, and opportunity for well-capitalized buyers at distressed pricing.
How Lenders Evaluate CRE Loans
Minimum 1.20x–1.35x. Means the property generates $1.20–$1.35 for every $1.00 of debt payment. Hotels require 1.40x. NNN credit tenants may qualify at 1.05x.
65%–80% depending on property type. SBA 504 allows 10% down for owner-occupied. Lower LTV typically earns lower rate.
NOI divided by loan amount. Measures lender risk independent of value — typically 8%–10% minimum for most lenders.
Track record managing similar properties, net worth vs loan amount, 6–12 months reserves, 720+ credit score preferred.
The SBA 504 program is the most powerful tool for small business owners purchasing their own commercial property. Down payment as low as 10% (vs. 25–35% for conventional), fixed rate on the SBA portion, and long amortization. The property must be majority owner-occupied. Processing takes 45–90 days but the terms are substantially better than conventional CRE loans at similar loan sizes.
Commercial Real Estate Loans — Frequently Asked Questions
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