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
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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.
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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.
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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  
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🏦 Free Calculator

Commercial Mortgage Calculator

Estimate your monthly CRE loan payment, total interest cost, and full amortization schedule. Compare loan structures before you apply.

5.5%+
Current CRE Rates
25yr
Max Amortization
80%
Max LTV Available
🏢

Commercial Mortgage Calculator

Enter your loan details below

$
Total acquisition cost of the property
%
Typically 20–30% for commercial properties
%
Current CRE rates: 5.5% – 8.5%
#
Loan payoff period (20–30 typical)
#
Balloon maturity (5–10 typical for CRE)
$
Optional — included in total monthly cost
Monthly P&I Payment
—
principal + interest only
Total Monthly Cost
—
incl. property tax estimate
Loan Amount
—
Down Payment
—
Total Interest
—
over amortization period
Balloon Balance
—
at term end
YearPaymentPrincipalInterestBalance

Ready to secure your commercial mortgage?Get matched with CRE lenders in 48 hours. No credit pull to start.

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Understanding Commercial Mortgages

Key concepts every CRE borrower should know before applying.

Amortization vs. Loan Term

Commercial mortgages typically amortize over 20–25 years but have a balloon payment (loan term) of 5–10 years. At term end, the remaining balance must be refinanced or paid in full. This structure keeps payments lower while giving lenders flexibility.

What Affects Your Rate?

Commercial mortgage rates depend on property type, LTV ratio, DSCR, borrower experience, loan size, and market conditions. Owner-occupied properties with SBA backing can get rates 0.5–1.5% lower than investor properties.

Down Payment Requirements

Most commercial mortgages require 20–30% down. SBA 504 loans offer 10% down for owner-occupied. Higher down payments improve DSCR, lower your rate, and increase approval likelihood on marginal deals.

Closing Costs to Expect

Budget 2–5% of the loan amount for closing costs: appraisal ($3K–$8K), environmental ($2K–$5K), legal fees, title insurance, origination fee (0.5–1%), and lender due diligence. BestLoanUSA charges no upfront advisory fees.

Current CRE Mortgage Rate Ranges

Rates vary by property type, LTV, and borrower profile. Updated regularly.

Loan TypeRate RangeLTVTermBest For
Conventional5.5% – 7.5%65–75%5–10 yrStrong borrowers, stabilized properties
SBA 5045.0% – 6.5%Up to 90%10–25 yrOwner-occupied, below $5M
SBA 7(a)7.0% – 9.5%Up to 85%Up to 25 yrFlexible use, smaller deals
DSCR Loan6.5% – 8.5%65–75%5–7 yrInvestors, no income docs
Bridge Loan8.0% – 12%60–70%12–36 moValue-add, quick close
CMBS5.5% – 7.0%65–75%5–10 yrLarger deals $3M+, non-recourse

Frequently Asked Questions

Common questions about commercial mortgage financing.

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Our advisors analyze your deal structure and match you with the most competitive CRE lenders — no guesswork, no upfront fees.

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CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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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.
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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 →