The right CRE loan can make or break the deal.
From owner-occupied buildings to investment properties, multifamily, retail, industrial, or mixed-use — we match you with the right capital partner for purchase, refinance, cash-out, or construction.
Commercial Real Estate Loans at a glance
- Loan amounts
- $500,000 – $50,000,000+
- Term length
- 5 – 30 years, with 20–30 year amortization
- Typical pricing
- Market-driven; typically the lowest-cost commercial debt available
- Funding speed
- 30 – 60 days to close
- Credit guidance
- Typically 660+ FICO plus a DSCR of 1.20x or better
Key Benefits
- Loan amounts from $500K to $50M+
- Competitive fixed and floating rates
- Up to 80% LTV on qualifying assets
- Recourse and non-recourse options
Best Fit For
- Real estate investors scaling portfolios
- Owner-occupants buying their building
- Developers needing construction capital
- Borrowers refinancing maturing debt
Why use a broker instead of going to your bank?
We know which lender prices best for your asset class, market, and leverage. One application, multiple competitive offers — saving you weeks and often basis points.
Learn more about working with a brokerHow commercial real estate loans compare
We broker every product on this list, so this comparison is about fit — not about steering you toward one option.
Compared with
Bridge loan
Permanent CRE debt is priced for stabilized properties over long terms. A bridge loan funds in days or weeks on an unstabilized asset, at a higher rate, until you refinance or sell.
Compared with
SBA 504
SBA 504 is for owner-occupied property with as little as 10% down but requires you to occupy at least 51% of the space. Conventional CRE has no occupancy rule and works for pure investment assets.
Commercial Real Estate Loans: frequently asked questions
How much down payment is required for a commercial real estate loan?
Conventional CRE typically requires 20% to 35% down. Owner-occupied SBA 504 or 7(a) structures can go as low as 10% down for qualified borrowers.
What DSCR do lenders want to see?
Most commercial lenders look for a debt service coverage ratio of at least 1.20x, meaning net operating income covers the debt payment 1.2 times over. Some asset classes require 1.25x or more.
How long does a CRE loan take to close?
Plan on 30 to 60 days from application to funding. Appraisal, environmental review, and title work drive most of the timeline.
Can I get a non-recourse commercial mortgage?
Yes, on stabilized income-producing assets with strong sponsorship. Non-recourse is common in CMBS, agency multifamily, and life-company loans, usually with standard carve-outs.
Do you finance investment property as well as owner-occupied?
Both. We place multifamily, retail, industrial, office, mixed-use, self-storage, and hospitality deals, plus owner-occupied buildings for operating businesses.
Can I take cash out when refinancing?
Often yes. Cash-out refinances are typically capped around 65% to 75% loan-to-value depending on the property type and market.
More answers on the business financing FAQ and in the commercial lending glossary.
Other financing solutions
Working Capital Loans
Cover payroll, inventory, and day-to-day expenses with flexible short-term capital.
Bridge Loans
Move quickly on opportunities while you arrange long-term financing.
Business Acquisition Financing
Finance the acquisition of an established business, partner buyout, or franchise.
Ready to explore commercial real estate loans?
A 15-minute conversation is all it takes to know if this is the right fit. No obligation.