Commercial Property Loans

Case by case

Credit and financial review

Case by case

Equity and down payment review

Mixed-Use, warehouses, retail, apartment complexes, office buildings

Property Types
Commercial property financing discussion

Documents Needed: Property and financial documents vary by financing program

Documentation and DSCR requirements depend on the program

Commercial real estate financing

Start with the property and the purpose.

Commercial property financing can support an acquisition, a refinance, or a plan to use equity in an existing property. The right structure depends on the property, the business or investor, the cash flow, and what you want the financing to accomplish. Frank can review the scenario with you before you spend time on a full application.

What Frank will review

Property type and use, purchase price or estimated value, existing debt, property income, business financials, available equity, and the timing of your transaction.

What varies by program

Credit criteria, down payment or equity, debt-service coverage, documentation, loan terms, and closing time. Frank will explain the requirements for options that fit your specific file.

Questions worth answering before you apply

  • Will your business occupy the property, or is it primarily an investment?
  • Are you buying, refinancing, or seeking capital against equity?
  • How much cash flow and liquidity are available for the proposed payment and closing costs?
  • What existing liens, leases, or property issues should be considered?

Some owner-occupied business purchases may warrant a look at SBA financing; investment or other commercial scenarios may call for a different structure. If your immediate need is business capital rather than property financing, compare working capital, lines of credit, and term loans. You can also explore the broader business financing resources before you decide.

Talk through your property scenario with Frank.

Send a short note with the property type, location, whether you are buying or refinancing, and your approximate timeline. Frank will follow up to arrange a conversation.

Talk to Frank

Financing is subject to underwriting and approval. Availability, terms, and timing vary by program and applicant.