Lower Your Payments
Commercial Refinance Loans — Lower Rates & Cash-Out Options
Refinance your commercial property to reduce payments, access equity, or consolidate debt. 5-30 year terms with rates starting at 6.0% for qualified borrowers.
Lower Rates
Reduce monthly payments
Cash Out
Access property equity
Better Terms
Improve loan structure
Common Uses for Refinancing
Lower monthly payments
Access equity for growth
Debt consolidation
Property improvements
Switch to fixed rate
Remove personal guarantees
Better loan terms
Portfolio optimization
Refinance Requirements
Credit Score:680+
Property Occupied:12+ months
DSCR:1.20x minimum
Interest Rates:Starting at 6.0%
Potential Savings
Current Payment:$15,000/month
New Payment:$12,500/month
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
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Conventional Commercial Loans
Standard bank financing for stabilized commercial properties with proven cash flow.
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Bridge Loans
Fast short-term financing for time-sensitive acquisitions and property transitions.
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Commercial Real Estate Loans
Financing for office buildings, retail centers, industrial properties, and mixed-use developments.
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CMBS Loans
Commercial mortgage-backed securities for larger properties with non-recourse options.
Learn moreFAQ
Frequently Asked Questions
Consider refinancing when interest rates have dropped, your property has appreciated in value, your credit score has improved, or your current loan is maturing. Refinancing can lower monthly payments, access equity, or consolidate debt.
Typical costs include appraisal fees, legal fees, title insurance, origination fees (0.5-2% of loan amount), and potential prepayment penalties on your existing loan. These costs are often offset by long-term savings from better terms.
Yes, cash-out refinancing allows you to access the equity in your commercial property. You can typically borrow up to 75% of the property's appraised value and use the cash for business expansion, renovations, or other investments.
Commercial refinancing typically takes 30-60 days from application to closing. The timeline depends on property type, loan complexity, and documentation completeness. Our team works to expedite the process.
Still have questions? Our loan experts are here to help.