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Commercial property loans to buy, build or refinance.
No matter what commercial property you want to purchase, develop, build, or refinance, we have options for you and your business.
- Owner-occupied or investmentFinance the property your business runs on or one you hold as an investment.
- Buy, build or refinancePurchase, development, construction and refinance are all on the table.
- The property backs the loanYour down payment and the property’s appraisal shape the financing.
- We listen firstEvery business is different. We listen carefully to each owner before we make an offer.
From application to closing in three simple steps.
Apply, get the property appraised, and close.
Share the basics
A short application and details on the property. Your advisor handles everything from there.
We review your file
Our capital formation experts review the property and your business. We listen first, then set the amount and terms with you.
Appraise and close
The property is appraised, your contract is signed and the loan closes. Closing on property takes more steps than most business loans, so your advisor keeps you informed.
What is a commercial property loan?
A commercial property loan finances the purchase, development, construction or refinance of commercial real estate such as offices, warehouses, retail space and mixed-use buildings.
Some borrowers occupy the property and run their own business from it. Others buy it as an investment and earn income from tenants. Both can qualify, and the terms differ for each.
The property secures the loan, so expect an appraisal and a down payment.
Commercial Property Loans
- Secured byThe commercial property
- UsesPurchase, development, refinance
- PropertyOwner-occupied or investment
- ExpectDown payment and appraisal
Built for the property your business runs on.
Buying your location, investment property, building, and refinancing.
- Buying your locationOwn the space your business operates in instead of renting it.
- Investment propertyBuy a building to earn income from the tenants who use it.
- Development and constructionFund building or developing a property, with money released as the work progresses.
- Refinancing what you ownReplace an existing loan on a property you already hold.
It’s a good fit if
- You’re buying, building or refinancing commercial real estate.
- You can bring a down payment and have a property to appraise.
- You’re planning to hold the property for the long term.
Look at another option if
- You’re buying several properties at once. See Portfolio Loans.
- You want a long-term loan partially guaranteed by the government. See SBA Loan Programs.
- You need capital for a planned investment, not real estate. See Term Loans.
Commercial property FAQs.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
How does a commercial property loan work?
The loan funds the purchase, development, construction or refinance of commercial real estate, and the property secures it. Your advisor structures it around your plan for the property.
Owner-occupied or investment?
Both are possible. Owner-occupied means you run your business from the property. Investment means you own it to earn income from tenants. The terms differ for each, so tell your advisor which one fits you.
What can I use it for?
Buying a property, developing or building one, or refinancing a property you already own. Tell your advisor what you have in mind.
Is a down payment required?
Commercial property loans typically call for a down payment, and the property is appraised. Your advisor explains what to expect for your deal before you sign.
What does it cost?
Your advisor goes over the full cost with you before you sign anything.
Do I qualify?
We weigh the property, your business, your credit and your time in business together, not one factor alone. The fastest way to know is a short call with an advisor.
What do I need to apply?
The application, details on the property and your business financials. Your advisor may ask for more, and tells you exactly what and why before you send anything.
Have a property in mind? Let’s finance it.
Tell an advisor which property you have in mind and whether you will run your business from it.
