Commercial Lending
Commercial Business Loans — Competitive Rates & Flexible Terms
Compare commercial business loans from 150+ lenders for working capital, expansion, acquisitions, and equipment — $500K to $50M+ for established companies.
Today's rate:from 6.25%
What Is a Commercial Loan?
A commercial loan is financing used to buy, refinance, build, or operate business and investment property — office buildings, retail centers, warehouses, apartments, and more. Unlike a residential mortgage, a commercial loan is underwritten largely on the property's income and the strength of the business, so lenders weigh cash flow, debt service coverage, and loan-to-value alongside your credit. The right structure depends on your timeline and goals, which is why borrowers compare conventional, SBA, bridge, and construction options side by side.
Established businesses with strong cash flow often choose conventional commercial loans for speed, while buyers of owner-occupied property may prefer the lower down payment of an SBA loan. For ground-up projects, see our construction loans.
Our Portfolio
Commercial Financing Portfolio
From conventional business loans to specialized commercial real estate financing, we have the right solution for your business needs.
Fast Approval
Conventional Commercial Loans
5.25%
Starting Rate
Up to $50 Million
Loan Amount
Up to 25 Years
Loan Term
Traditional commercial financing for established businesses with strong credit profiles.
No government guarantee required
Faster approval process
Flexible terms
Competitive rates
Popular
Commercial Real Estate Purchase
5.75%
Starting Rate
Up to $50 Million
Loan Amount
Up to 30 Years
Loan Term
Finance the acquisition of commercial properties for your business operations.
Owner-occupied properties
Investment properties
Low down payments
Fixed and variable rates
Save Money
Commercial Refinance Loans
5.50%
Starting Rate
Up to $50 Million
Loan Amount
Up to 30 Years
Loan Term
Optimize your existing commercial property financing with better rates and terms.
Lower interest rates
Cash-out options
Debt consolidation
Improved cash flow
Build Your Future
Construction Loans
Prime + 1%
Starting Rate
Up to $100 Million
Loan Amount
12-36 Months
Loan Term
Fund your commercial development and construction projects from ground up.
Interest-only payments
Convert to permanent financing
Progress draw system
Experienced builders
Why Choose Us
Why Choose Our Commercial Lending?
We specialize in commercial financing with deep market knowledge and flexible solutions tailored to your business.
Commercial Real Estate Expertise
Deep understanding of commercial property markets and valuation for optimal financing solutions.
Competitive Terms
Access to competitive interest rates and flexible terms that work with your business cash flow.
Fast Processing
Streamlined approval process with dedicated commercial lending specialists for faster decisions.
Commercial Loan vs. Commercial Real Estate vs. Conventional — Which Do You Need?
These products overlap, so it helps to start with what you are actually financing. Here is a quick way to tell them apart and land on the right page.
Choose a commercial loan when you need broad, general-purpose business financing — working capital, expansion, an acquisition, or equipment — rather than money tied to a single building. This is the widest category, covering both property and non-property uses for established companies.
Choose commercial real estate when the loan is specifically to buy or refinance income-producing property such as office, retail, industrial, or mixed-use buildings, where the deal is underwritten on the property's cash flow.
Choose conventional loans when you want a non-SBA bank mortgage on a stabilized, cash-flowing property and value a faster close over the lower down payment of a government-backed option.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
Up to $5M
SBA 7(a) Loans
The most flexible SBA program with up to $5M for working capital, equipment, and real estate.
Learn more$500K–$50M+
Commercial Real Estate Loans
Financing for office buildings, retail centers, industrial properties, and mixed-use developments.
Learn more$25K–$5M
Term Loans
Fixed-amount business loans with predictable monthly payments over set terms.
Learn more$10K–$5M
Business Lines of Credit
Revolving credit lines for flexible, on-demand access to business funding.
Learn more
Ready to Expand Your Business?
Our commercial lending experts are ready to help you secure the financing you need for growth.
FAQ
Frequently Asked Questions
A commercial real estate (CRE) loan is financing used to purchase, refinance, or develop income-producing properties such as office buildings, retail centers, warehouses, multifamily apartments, and industrial facilities. These loans typically range from $500,000 to $50 million with terms of 15-25 years.
Commercial loan requirements typically include a credit score of 680+, debt service coverage ratio (DSCR) of 1.25 or higher, 20-30% down payment, 2+ years in business, and strong financial statements. Lenders also evaluate the property's income potential, location, and condition.
Commercial loan amounts range from $500,000 to $50 million depending on the property type, your financial profile, and the lender. Loan-to-value (LTV) ratios typically range from 65-80%, meaning you can borrow 65-80% of the property's appraised value.
Commercial loan rates currently range from 5.25% to 8% depending on loan type, property, and borrower qualifications. Conventional commercial loans start around 5.25%, while construction loans are typically Prime + 1-2%. Rates vary based on loan term, property type, and market conditions.
Commercial loans are for business or investment properties, have higher interest rates, shorter terms (15-25 years vs 30), require larger down payments (20-30% vs 3-20%), and are underwritten based on property income rather than personal income. Commercial loans also typically have balloon payments or refinancing requirements.
Commercial loan approval typically takes 30-60 days from application to funding. Simple conventional loans may close in 30 days, while complex deals or SBA-backed commercial loans may take 60-90 days. Having complete documentation ready can significantly speed up the process.
To qualify, lenders generally look for a credit score around 680 or higher, a debt service coverage ratio (DSCR) of at least 1.25, a 20-30% down payment, and at least 2 years in business with solid financial statements. They also weigh the property's income potential, location, and condition when underwriting the deal.
Most commercial loans require a 20-30% down payment, which corresponds to a 65-80% loan-to-value (LTV) ratio. The exact figure depends on the property type, your credit, and the strength of the property's cash flow. SBA-backed options can require less down, sometimes as little as 10%.
Still have questions? Our loan experts are here to help.