Loan Products
CRE Refinancing
Lower your rate or pull equity from existing properties
Owner-Occupied CRE Loan
Finance the building where your business operates
Cash-Out Refinance
Access equity for renovations or new acquisitions
Hard Money Takeout Refi
Exit hard money loans with permanent financing
Investment Property Loan
Acquire income-producing commercial properties
Tenant Improvement Financing
Fund fit-outs to attract quality tenants
Learn & Research
What Is a CRE Loan?
Fundamentals of commercial real estate financing
CRE Loan Requirements
Credit, DSCR, LTV, and documentation standards
CRE Loan Rates
Current rate ranges by property type and loan program
Construction Loans
Ground-up and renovation construction financing
Bridge Loans
Short-term capital while you secure permanent financing
DSCR Loans Guide
Qualify based on property income, not personal income
Document Checklist
Everything lenders require, organized by loan type
CRE Glossary
Definitions for every term lenders use
Fast Approval
Get Your CRE Rate in 24 Hours
Submit once, compare offers from 30+ lenders — no hard credit pull.
Start Application
Browse by Property Type
Office BuildingsRetail PropertiesIndustrialMedical OfficeWarehouseRestaurantHotel & HospitalitySelf-StorageMixed-UseLand & Development
Property Specialists
Not Sure Which Loan Fits Your Property?
Jason Kim and our CRE team have closed $200M+ across every property type.
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SBA Loans
SBA Loans Overview
Government-backed financing with lower down payments
SBA 504 Loans
Long-term fixed-rate financing — 10% down
SBA 7(a) Loans
Flexible working capital and real estate financing
Other Loan Products
Term Loans
Lump-sum financing with fixed repayment schedules
Business Line of Credit
Draw funds as needed, pay interest only on what you use
Business Loan Refinancing
Lower your rate or consolidate existing debt
Equipment Financing
Purchase or lease business-critical equipment
SBA Certified
SBA 504 Rates as Low as 6.5%
Lock in long-term fixed rates for owner-occupied CRE with just 10% down.
Check SBA Eligibility
Free CRE Financial Tools
DSCR CalculatorCommercial MortgageLTV CalculatorCap Rate CalculatorNOI CalculatorSBA 504 CalculatorRefinance Break-EvenCash-Out EquityCash-on-Cash ReturnYield Maintenance
10 Free Tools
Run Your Numbers Before You Apply
DSCR, cap rate, LTV, NOI — every metric lenders look at, built for CRE.
View All Calculators
Articles & Guides
Article Hub
107 expert articles on CRE financing, strategy, and tips
Capital Insights
Market commentary and lending analysis from our team
Property Type Hub
Sector-specific financing guides for every property type
Reference & Support
CRE Hub
Commercial Real Estate Hub
FAQ
Quick answers to the most common borrower questions
How It Works
Our 3-step lender matching process explained
About BestLoanUSA
Our story, team, and commitment to CRE borrowers
Commercial Real Estate Hub
CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
Download Free
🧮 23 Free Tools

CRE Financial Calculator Hub

Professional-grade financial calculators for commercial real estate investors, borrowers, and brokers. Every tool you need to underwrite, analyze, and close CRE deals.

23
Calculators
6
Categories
100%
Free Forever
0
Account Required
📊 Core Underwriting

Core Underwriting Calculators

The essential metrics every CRE lender evaluates. Master these to speak the language of underwriting.

📊

DSCR Calculator

Debt Service Coverage Ratio with 4-level verdict and program matching for lender requirements.

Calculate →
🏦

Commercial Mortgage

Monthly payments with full amortization schedule and balloon balance calculation.

Calculate →
🎯

LTV Calculator

Loan-to-Value with dual mode: calculate LTV or find max loan amount from target ratio.

Calculate →
📈

Cap Rate Calculator

Capitalization rate with triple-mode tabs: calculate cap rate, value, or required NOI.

Calculate →
💰

NOI Calculator

Net Operating Income with 12-field detailed expense breakdown and visual expense bars.

Calculate →
🛡️

Debt Yield Calculator

Debt yield with dual-mode analysis and CMBS lender requirements comparison table.

Calculate →
🚧

LTC Calculator

Loan-to-Cost for construction and value-add deals with equity gap analysis.

Calculate →
🔐 Prepayment & Exit

Prepayment & Exit Calculators

Know your exit costs before you sign. These tools help you plan loan payoffs, refinances, and cash-out strategies.

📉

Yield Maintenance

Estimate prepayment penalty with 3-structure comparison across different loan types.

Calculate →
📜

Defeasance Calculator

CMBS defeasance cost with Treasury portfolio premium, fees, and yield maintenance comparison.

Calculate →
⏱️

Refinance Break-Even

Find how many months until refinancing savings exceed closing costs with visual timeline.

Calculate →
💵

Cash-Out Equity

Calculate extractable equity with visual equity stack bar visualization.

Calculate →
🏆 Investment Analysis

Investment Analysis Calculators

Go beyond cap rate. These tools measure total returns, risk, and value — the metrics institutional investors use.

📈

IRR Calculator

Internal Rate of Return with dynamic cash flow rows and Newton-Raphson calculation.

Calculate →
💵

Cash-on-Cash Return

Annual cash return on invested equity with leverage analysis and positive/negative verdict.

Calculate →
⚡

GRM Calculator

Gross Rent Multiplier with triple mode: calculate GRM, estimate value, or find required rent.

Calculate →
🛡

Break-Even Occupancy

Minimum occupancy to cover expenses and debt service with vacancy cushion risk gauge.

Calculate →
×

Equity Multiple

Total return on invested equity over your hold period with implied annual return.

Calculate →
🏦 SBA Programs

SBA Loan Calculators

Small Business Administration loan tools for owner-occupied commercial property. The government-backed path to ownership.

🏢

SBA 504 Calculator

SBA 504 loan with unique 3-part stacked bar showing the 10/40/50 financing split.

Calculate →
🏦

SBA 7(a) Payment

Variable rate Prime + spread with rate sensitivity analysis showing ±1-2% scenarios.

Calculate →
🏢 Property & Lease

Property & Lease Calculators

Compare lease rates, per-unit pricing, and build-out budgets across commercial properties.

📏

Rent Per Square Foot

Convert between monthly rent, annual rent, and per-SF rates for commercial lease comparison.

Calculate →
🏠

Price Per Unit

Per-door pricing for multifamily properties with GRM and rent per unit analysis.

Calculate →
🔨

TI Allowance

Tenant improvement budget with landlord coverage %, amortized monthly cost, and build-out ranges.

Calculate →
💰 Tax & Exchange

Tax & Exchange Calculators

Maximize after-tax returns with depreciation shields and 1031 exchange strategies.

📉

CRE Depreciation

39-year commercial and 27.5-year residential straight-line depreciation with recapture calculation.

Calculate →
🔄

1031 Exchange

Side-by-side comparison of selling outright vs. tax-deferred exchange with savings analysis.

Calculate →

Numbers Make Sense. Let Us Handle the Rest.

Run the numbers with our calculators, then let our CRE advisors find you the best loan to make the deal work. Pre-assessment is free and takes 48 hours.

Get Pre-Assessed Free →
Loan Programs

Every CRE Financing Structure, One Platform

From conventional mortgages to bridge loans — compare real options across 12 distinct programs.

CRE Loan Overview

How commercial loans work, common structures, and what lenders evaluate

→

Qualification Requirements

DSCR, credit score, down payment, and documentation checklist

→

Current CRE Rates

Rate ranges by property type, loan structure, and borrower profile

→

CMBS Loans

Non-recourse financing with competitive fixed rates for stabilized commercial properties

→

Bridge Loans

Short-term financing for acquisitions, repositioning, or refinancing

→

DSCR Loans

Income-based qualification without personal income documentation

→

CRE Refinancing

Lower rates, better structure, or access equity from existing property

→

Owner-Occupied

Buy the building your business operates in with SBA 504 or conventional

→

Cash-Out Refinance

Access equity from your commercial property for expansion or acquisition

→

Hard Money Takeout

Exit bridge or hard money loans with conventional or SBA refinancing

→

Investment Property

DSCR and conventional financing for income-producing properties

→

Tenant Improvement

Finance buildout and renovation through CRE loans or SBA programs

→

PROPERTY TYPES

Financing for Every Property Class

Each property type has unique lending criteria, risk profiles, and lender preferences. Find specialized financing matched to your asset.

Retail

Shopping centers & strip malls

Industrial

Manufacturing & distribution

Multifamily

Apartments & residential complexes

Warehouse

Logistics & cold storage

Medical Office

MOBs, clinics & surgery centers

Hotel

Full-service & boutique hospitality

Restaurant

QSR, casual & fine dining

Self-Storage

Climate-controlled & drive-up

Mixed-Use

Retail + office + residential combo

Dental Office

Dental & specialty practices

Auto Dealership

New & pre-owned vehicle sales

Auto Repair

Service, collision & quick-lube

Office

Class A/B/C buildings & coworking

C-Store & Gas

Convenience stores & fuel stations

Car Wash

Express tunnel & full-service

Gym & Fitness

Gyms, studios & recreation

View All Property Types →
Our 6 commitments to every borrower

Other lenders make promises.
We put them in writing.

Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the lender we wished existed.

$0
Hidden Fees
No surprise charges at closing. Every cost disclosed upfront in writing before you commit.
48hr
Pre-Qualification
Know where you stand within one business day — not weeks or months of silence.
1
Dedicated Advisor
One point of contact from application to closing. No handoffs, no ghosting, no runaround.
Day 1
Complete Checklist
Full document requirements on your first call. No mid-process surprises asking for "one more thing."
100%
Upfront Pricing
The rate and terms you're quoted are the rate and terms you close on. Period.
5 min
Application
One simple form, multiple lender options. Stop repeating yourself to dozens of brokers.
Start Your Free Application →

· No commitment required

Why borrowers switch to us

Five things your last lender should have done.

Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

  1. 1
    48 hours to clarity. You'll know exactly where you stand — not wonder for months.
  2. 2
    Every dollar in writing. The rate and fees you see on day one are the ones you sign at closing.
  3. 3
    One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
  4. 4
    Full checklist, first call. Every document listed upfront. No mid-process surprises.
  5. 5
    We earn when you close. No upfront fees. Our only incentive is your funded deal.
“I’ve spent over a decade watching good borrowers lose money to a broken process. BestLoanUSA exists so that stops happening.”
JK
Jason Kim
Managing Director, Commercial Lending
See the difference yourself →