Loans · Commercial & mixed-use
Commercial and mixed-use loans
Financing for retail, office, flex, industrial, self-storage and mixed-use property.
At a glance
When a commercial & mixed-use loan fits
Best forBuying, refinancing or improving income-producing commercial property
Property typesRetail, office, flex and industrial, self-storage, mixed-use
What sizes the loanIncome (NOI), value and the strength of the tenants
Larger loansProjects over $1 million are welcome
Who it fitsInvestors and owners with income documents ready
Closes inAn LLC or other entity, business purpose only
Worked example
Reading a commercial deal
| Example deal | Figure |
|---|---|
| Net operating income | From your T-12 or pro forma |
| Leases in place | Tenants, terms and renewal dates |
| Debt coverage | NOI ÷ annual loan payment |
| Loan-to-value | Loan ÷ appraised value |
Example onlyCommercial lenders weigh the leases as heavily as the building. A clear rent roll and lease summary moves your file faster. These figures illustrate the math. They are not an offer, a rate quote or a promise of approval.
Your file
What to have ready
- Rent roll and lease summaries
- Trailing 12-month operating statement (T-12)
- Short business plan
- Purchase contract or payoff statement
- Entity documents and guarantor ID
How we place it
Options in 48 business hours
Once your file is complete, we send it to the lenders in our directory that fund this kind of deal. Their answers come back to you on one page, side by side, with our fee in writing.
Questions
What investors ask us
Do you finance owner-occupied commercial property?
Tell us about it. Some business-owner properties fit our lenders; others are better suited to business lending programs, and we will point you the right way.
Is there a minimum loan size?
Each lender has its own range. We match your deal to lenders whose range fits it.
Related loans
Other ways to finance it
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