A commercial mortgage loan is a type of financing designed for investors and business owners who are purchasing, refinancing, or developing income-producing or non-owner-occupied properties. These loans are secured by the property itself and are a cornerstone of commercial real estate growth and investment.

Requirements

To qualify for a commercial mortgage loan, applicants typically need to provide:

• Eligible Property: Must be a business or investment property — such as retail, office, industrial, or multifamily real estate (non-primary residence).

• Collateral: The property being financed serves as the primary security for the loan.

• Business Entity: Loans are often issued to LLCs, corporations, or partnerships rather than individuals.

• Personal Financial Statement: Borrowers provide proof of financial stability, assets, liabilities, and income to demonstrate repayment capacity.

Benefits of Commercial Mortgage Loans

• Access to Capital: Finance the purchase or refinance of commercial real estate without tying up personal liquidity.

• Flexible Loan Structures: Terms can be tailored with adjustable or fixed rates, interest-only options, and varied amortization schedules.

• Portfolio Expansion: Use leverage to grow your real estate holdings and increase return on investment.

• Streamlined Process: Our lending approach offers efficient underwriting and flexible qualification standards to help close deals quickly.