Commercial Financing Solutions
Commercial loans are designed for properties used for business purposes or to generate rental income, including office buildings, retail spaces, warehouses, multi-unit properties, and mixed-use developments.
How Commercial Loans Work
Unlike residential mortgages, commercial loans are typically underwritten based on the income the property generates rather than the borrower's personal income alone. Lenders evaluate net operating income, debt service coverage, occupancy rates, and the overall financial health of the business or investment.
Common Property Types
Office buildings, retail centers, industrial warehouses, multi-family apartment complexes (5+ units), mixed-use properties, medical offices, self-storage facilities, and owner-occupied business properties are among the most common types financed through commercial lending.
Loan Structures
Commercial financing can take many forms, including fixed-rate term loans, adjustable-rate products, bridge loans for transitional properties, SBA-backed loans for owner-occupied businesses, and construction-to-permanent financing for ground-up development projects.
Who Benefits
Business owners purchasing or refinancing their operating space, real estate investors building a portfolio of income-producing properties, and developers looking to finance acquisitions or new construction can all benefit from commercial lending solutions.
Commercial loan terms, structures, and qualification criteria vary widely depending on the property type, borrower profile, and market conditions. Reach out to the mortgage team to discuss your scenario.