Purchase or refinance, sized to the property's income.
Conventional financing for office, retail, industrial, and multifamily — owner-occupied or pure investment. We fund deals direct where they fit our balance sheet and tap 40+ banks and capital partners for the rest, with fixed and floating structures priced to the asset's cash flow.
Commercial real estate at a glance
- $250K to $25M+ across major property types
- Owner-occupied and investment deals
- Fixed and floating rate structures
- Purchase, refinance, and cash-out
- Sized to the property's net operating income
Ideal for: owners buying or refinancing their facility, and investors acquiring or repositioning stabilized office, retail, industrial, and multifamily assets.
Priced to the asset, not a rate sheet
Conventional commercial real estate loans are underwritten to the property's net operating income and its debt-service coverage — how comfortably the rent covers the payment. A stronger coverage ratio and lower leverage earn better pricing; we structure the request to put your deal's best numbers forward.
Because we fund some deals on our own capital and run the rest across 40+ banks and capital partners, the same file gets sized against multiple appetites rather than one bank's box. On a seven-figure loan, the spread between the first quote and the best execution is real money every month for the life of the loan.
Owner-occupied and investment, under one desk
If your business occupies the building, an SBA 504 or 7(a) may beat a conventional loan on down payment — so we'll always compare. But for investment property, partial owner-occupancy, or borrowers who want to move fast without SBA paperwork, conventional is often the cleaner path to close.
Office, retail, industrial, multifamily, and mixed-use all trade on different fundamentals, and lenders specialize. We match the asset to the capital that actually wants it — then manage appraisal, environmental, and underwriting through to the wire so the deal closes on the terms we quoted.
Commercial real estate questions, answered.
What types of commercial property can you finance?
Office, retail, industrial/warehouse, multifamily, and mixed-use — both owner-occupied and investment. Loan sizes run from $250K to $25M+. Special-use properties are case-by-case; send us the deal and we'll tell you straight.
How much down payment is required for a commercial real estate loan?
Typically 20–30% for investment property, depending on asset type, leverage, and the property's cash flow. Owner-occupants may qualify for as little as 10% down through an SBA structure, which we'll always compare.
How is a commercial mortgage qualified?
Primarily on the property's net operating income and debt-service-coverage ratio, alongside your credit, experience, and liquidity. Investment deals lean on the asset's numbers; owner-occupied deals weigh the business too.
Can I get cash out when I refinance?
Yes — cash-out refinancing lets you pull equity for improvements, another acquisition, or to recapitalize, typically up to 65–75% loan-to-value depending on the property and its income.
Have a property? Let's price it.
Send us the basics and we'll come back with real terms — no cost, no obligation, no credit pull to start.