Commercial Mortgage Loan Programs Commercial mortgage loans provide financing for income-producing and owner-occupied commercial properties. These loans are designed for business owners, investors, and developers looking to purchase, refinance, or expand commercial real estate holdings. Commercial mortgages are structured differently from residential loans and are based on property cash flow, business financials, and overall investment strength.
Eligible Property Types Commercial mortgage financing may be available for: Mixed-use properties Retail buildings and storefronts Office buildings and medical offices Multi-family properties (5+ units) Industrial and warehouse properties Owner-occupied commercial real estate
Common Commercial Loan Options Owner-Occupied Commercial Loans Investment Property Loans SBA 7(a) and SBA 504 Loans Bridge Loans Construction & Renovation Loans DSCR / Cash-Flow Based Loans Commercial Refinance & Cash-Out
How Commercial Mortgages Are Evaluated Commercial loan approval is typically based on: Property income and expenses Debt Service Coverage Ratio (DSCR) Borrower and business financial strength Property type and location Loan structure and use of funds
Key Benefits Financing tailored to business and investment needs Longer loan terms available Options for fixed or adjustable rates Ability to refinance, purchase, or access equity Scalable solutions for growing portfolios
What to Expect Commercial mortgage loans typically require: Business and personal financial documentation Property financials and rent rolls (if applicable) Appraisal and environmental review (program dependent) Larger down payment compared to residential loans Rates and terms vary based on property type, loan size, and risk profile.