Commercial Loans
Conventional financing for commercial real estate purchases, refinances, and acquisitions.
- Financing for retail, office, multi-family (5+ units), industrial, and mixed-use property
- Terms typically 5–25 years, with amortization schedules longer than the term
- Down payments typically 20–30%
- Underwriting weighs both the property's income and the borrower's or entity's financials
- Available for purchase, refinance, and cash-out on commercial property
Ask About Commercial
Commercial financing shifts the underwriting focus toward the asset’s income potential alongside the borrower’s financial strength — whether that’s an owner-user buying their own building or an investor acquiring a multi-family or retail property for its cash flow.
Who This Is For
- Investors and business owners purchasing commercial real estate
- Buyers refinancing an existing commercial property
- Investors acquiring a multi-family property of 5 or more units
Commercial FAQs
What property types qualify as commercial?
Retail, office, industrial, mixed-use, and multi-family properties with 5 or more units — anything outside the 1–4 unit residential definition.
How is commercial underwriting different from a home loan?
It weighs the property's income (or projected income) alongside the borrower or entity's financials, rather than relying mainly on personal income and credit.
What down payment should I expect?
Typically 20–30%, depending on property type, condition, and the strength of the deal.
Related Resources
Ready to Talk Through Commercial?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
