Commercial lending | All 50 states

Commercial Property Loans for real estate.

Financing for office industrial multifamily retail hospitality mixed-use and specialty properties. Transaction positioning, direct lending, underwriting and closing support for qualifying opportunities nationwide.

Speak with our teamCall Now — 866-217-7741

National Lending with $600+ Million in CRE Loan Requests Processed Monthly

Commercial property loan qualification

What You Need to Qualify for a Commercial Property Loan

Qualification Profile

  • Ownership and management experienceHistory owning and operating comparable income-producing properties, including the property manager’s role.
  • Personal and entity financialsFinancial statements, schedule of real estate owned and the ownership structure of the borrowing entity.
  • Cash equity and reservesEquity contributed to the purchase or retained in a refinance, plus liquidity available after closing.

Property & Loan Considerations

  • Rent roll and operating historyCurrent leases, occupancy and trailing operating statements that establish the income behind the commercial property loan.
  • Tenant credit and lease termsTenant quality, remaining lease term, rollover exposure and expense recoveries for office, retail and industrial property loans.
  • Physical condition and capital needsAge, systems, deferred maintenance and planned improvements identified through inspection and third-party reports.
  • Debt service coverage and leverageNet operating income relative to the proposed payment, and loan amount relative to appraised value.

Market Profile

  • Submarket occupancy and rentsHow the property’s rents and occupancy compare with competing assets in the same submarket.
  • Demand drivers by asset classHousehold growth for multifamily financing, logistics demand for industrial and consumer traffic for retail.
  • Sales and valuation evidenceComparable sales and capitalization rates used to support the value of the investment property.

Execution & Underwriting Considerations

  • Loan structureTerm, amortization, fixed or floating rate options, prepayment provisions and recourse matched to the hold period.
  • Third-party reportsAppraisal, environmental and property condition reports reviewed before a commitment is issued.
  • Stabilization or business planAny lease-up, renovation or repositioning that affects whether bridge or permanent financing fits best.
  • Refinance or exit pathHow the maturity date aligns with the planned sale, refinancing of the commercial property or long-term hold.

All financing opportunities remain subject to underwriting, diligence, documentation and capital-provider approval.

Commercial property financing

Commercial Property Loans for Income-Producing Assets.

Browse by state

Direct access to local financing resources.

Every state page connects major markets, property types and related capital solutions.