Commercial property financing, structured around the deal.
Commercial deals don't fit a single box. We look at the property, the business plan and the sponsor, then take the deal to lenders who are a fit for it.
Property and loan types
- Multifamily (5+ units), mixed use and retail
- Owner-occupied commercial real estate
- Office, industrial and specialty property
- Construction and development
- SBA financing for owner-occupied property
- Bridge loans for value-add and repositioning
See what your property can borrow
Our commercial loan calculator sizes a loan the way lenders do, using the property's income (DSCR) and value (LTV), and shows the payment, debt yield and cash needed. Email yourself the numbers or download a PDF.
Common questions
How do lenders size a commercial loan?
Most lenders check two limits and lend the lower one. The debt service coverage ratio (DSCR) limit asks how big a payment the property's net operating income can cover, often at 1.20 to 1.35 times. The loan-to-value (LTV) limit caps the loan at a share of the property's value, often 65% to 80%, depending on the property type and the lender.
What do I need to get started?
A short description of the property, the purchase price or current value, the loan amount you need and how you plan to use it. We'll tell you what else the lenders will want.
Program availability, terms and eligibility depend on the lender, your credit, income, property and location. Not all borrowers will qualify.
Other ways we can help
Purchase
FHA, VA, USDA, conventional and jumbo, plus down payment assistance for first-time buyers.
Home purchase loans →Refinance
Free, no-pressure refinance analysis. We let the numbers do the talking, and we'll tell you if it doesn't pencil.
Refinance →Investment property
DSCR loans that qualify on the rent, house hacking a 2 to 4 unit, second homes and self-employed programs.
Investment property loans →Commercial
Business-purpose financing for commercial property, structured around the deal in front of you.
Commercial loans →