Nationwide CRE Financing
Commercial Real Estate Loans — $500K to $50M+ Nationwide CRE Financing
Finance office, retail, industrial, and mixed-use properties. Permanent loans, bridge financing, construction-to-perm, and SBA 504 programs available.
Today's rate:from 6.25%
What Is a Commercial Real Estate Loan?
A commercial real estate loan is financing used to purchase, refinance, or improve income-producing property such as office buildings, retail centers, industrial warehouses, mixed-use developments, and medical offices. Lenders underwrite the deal on the property's cash flow, weighing factors like debt service coverage and loan-to-value, so terms vary by property type, location, and borrower profile. It is a fit for investors and business owners financing their own space alike, with permanent, bridge, and SBA options to match the goal.
Owner-occupied buyers often pair a CRE purchase with an SBA 504 loan for a lower down payment, while value-add and time-sensitive deals lean on bridge financing. To estimate payments before you apply, try our loan calculator.
$500K – $50M+
Loan amounts available
Starting at 5.75%
Competitive interest rates
Up to 80% LTV
Maximum leverage
CRE Loan Programs
Permanent Financing
$500K – $50M+Long-term fixed and adjustable rate loans for stabilized commercial properties.
Bridge Loans
$1M – $30MShort-term financing for acquisitions, repositioning, or value-add opportunities.
Construction-to-Perm
$1M – $50MSingle-close loans covering construction through permanent financing.
SBA 504 CRE Loans
$500K – $15MGovernment-backed financing for owner-occupied commercial real estate.
Property Types We Finance
Office Buildings
Retail Centers & Shopping Malls
Industrial & Warehouse Facilities
Mixed-Use Developments
Medical & Professional Offices
Hospitality & Hotels
Self-Storage Facilities
Multi-Tenant Properties
Qualification Guidelines
Credit Score:660+
DSCR:1.20x minimum
LTV:Up to 80%
Amortization:Up to 30 years
Property Types:All commercial
Recourse:Options available
Why Finance CRE with Halo?
Our marketplace connects you with 150+ lenders competing for your deal — ensuring the best rates, terms, and speed to close.
Multiple competing offers in days
Non-recourse options available
Close in as few as 30 days
Interest-only periods available
Commercial Real Estate vs. Commercial Loan vs. Conventional — Which Do You Need?
These terms get used interchangeably, but they point to different products. Match your goal to the right one below.
Choose a commercial real estate loan when you are buying or refinancing income-producing property — office, retail, industrial, or mixed-use buildings — and the financing is sized to the property's cash flow, with permanent, bridge, and SBA options to fit the deal.
Choose a commercial loan when your need is broader business financing — working capital, expansion, an acquisition, or equipment — that is not tied to a specific building.
Choose a conventional loan when you specifically want a non-SBA bank mortgage on a stabilized, cash-flowing property and prefer a faster close to the lower down payment of a government-backed program.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$500K–$25M
Conventional Commercial Loans
Standard bank financing for stabilized commercial properties with proven cash flow.
Learn more$2M–$100M+
CMBS Loans
Commercial mortgage-backed securities for larger properties with non-recourse options.
Learn more$500K–$25M
Bridge Loans
Fast short-term financing for time-sensitive acquisitions and property transitions.
Learn moreUp to $5.5M
SBA 504 Loans
Long-term, fixed-rate financing for commercial real estate and heavy equipment purchases.
Learn moreFAQ
Frequently Asked Questions
We finance a wide range of commercial properties including office buildings, retail centers, industrial warehouses, mixed-use developments, medical offices, hospitality properties, self-storage facilities, and multi-tenant properties.
Loan-to-value ratios for commercial real estate typically range from 65% to 80%, depending on the property type, location, cash flow, and loan program. Owner-occupied properties may qualify for higher LTV ratios through SBA programs.
Commercial real estate loans typically take 30-90 days to close, depending on the loan type and complexity. Bridge loans can close in as little as 2-4 weeks, while SBA and conventional loans may take 45-90 days.
Standard requirements include 2-3 years of tax returns (personal and business), current financial statements, property operating statements, rent rolls, appraisal, environmental reports, and a business plan or executive summary for the property.
Qualification generally calls for a credit score of 660 or higher, a debt service coverage ratio of at least 1.20x, and LTV up to 80%. Lenders also weigh the property's cash flow, your experience, and the overall deal structure. Owner-occupied properties financed through SBA programs may qualify with more flexible terms.
Down payment depends on the program and property. With loan-to-value up to 80%, conventional financing typically requires roughly 20% to 35% down. Owner-occupied properties financed through SBA 504 can require as little as 10% down, making them attractive for businesses buying their own space.
Yes. Commercial real estate refinancing can lower your rate, extend your term, or pull out equity for improvements or expansion. Our marketplace connects you with over 150 lenders competing for your deal, so you can compare permanent, bridge, and SBA refinance options side by side to find the best fit.
If your business will occupy the majority of the space, an owner-occupied loan, especially SBA 504, usually offers lower down payments and longer terms. Investment property loans are sized to the asset's rental income and DSCR. The right choice depends on how much of the building you plan to use yourself.
Still have questions? Our loan experts are here to help.