Commercial Real Estate Capital

Secure Long-Term Financing for Your Commercial Property.

Whether you are acquiring a new facility, refinancing an office building, or pulling cash out to fund expansion, get access to aggressive rates tailored to your business needs.

High LTV Allowances Preserve your liquidity. We offer commercial mortgages with up to 80% LTV for standard properties, and up to 90% LTV for SBA 504 owner-occupied loans.
Long-Term Amortization Maximize your monthly cash flow with 20 to 25-year amortization schedules. Choose from fixed, variable, or hybrid rate structures.
Non-Recourse Options Available Protect your personal assets. For qualified stabilized investment properties, we offer non-recourse debt relying solely on the property's cash flow.

Check Your Eligibility

Connect with a commercial real estate lending specialist. Requesting a preliminary term sheet will NOT impact your credit score.

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Interactive Tool

Commercial Mortgage Estimator

Input your property details below to instantly calculate your estimated required down payment, total loan amount, and projected monthly debt service.

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Standard commercial loans usually require 20% to 30% down.

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Note: Commercial real estate loans often feature shorter terms (e.g., a 5-year or 10-year term) but are amortized over 20-25 years to keep monthly payments lower, resulting in a balloon payment at the end of the term if not refinanced.

Projected Deal Structure

Estimated Monthly Payment (P&I)
$14,779
Principal & Interest Only
Estimated Loan Amount
$2,000,000
Required Equity (Cash to Close)
$500,000

Capital Stack Options

We match the specific lifecycle, use-case, and stabilization level of your commercial property to the optimal lending product.

Feature Conventional Commercial Mortgage SBA 504 Loan Bridge / Hard Money Loan
Best Used For Stabilized investment properties, Multifamily, Retail. Owner-occupied real estate (User must occupy 51%+). Fix-and-flips, renovations, fast acquisitions.
Typical LTV Max 75% - 80% Up to 90% (Low down payment) 65% - 75% LTC (Loan to Cost)
Time to Fund 45 to 60 Days 60 to 90+ Days 2 to 3 Weeks
Recourse Non-Recourse options available. Full Recourse Required. Recourse & Non-Recourse available.

Commercial Real Estate FAQs

A "recourse" loan requires a personal guarantee from the borrower, meaning if the property defaults and doesn't cover the loan amount, the lender can come after your personal assets. A "non-recourse" loan uses ONLY the property itself as collateral. If you default, the lender takes the property, but your personal assets are protected.
DSCR stands for Debt Service Coverage Ratio. It's the ratio of the property's Net Operating Income (NOI) to its total debt service (the mortgage payment). Lenders typically require a minimum DSCR of 1.20x to 1.25x to ensure the property generates enough income to cover the loan payments with a comfortable margin of error.
Yes! In fact, if your business occupies at least 51% of the building's square footage, you qualify for "Owner-Occupied" financing. This opens up highly favorable loan products like the SBA 504 program, which allows you to put down as little as 10% equity, preserving your cash for business operations.
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