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Advisor-Led CRE Financing
Commercial Real Estate Financing
Purchase, refinance, cash-out, or improve owner-occupied or investment property—compare multiple lenders and choose the best structure for your real estate goals.
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5%–8%
Average Interest Rate
5–30 Years
Terms
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30–60 Days
Close Speed
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10% - 35%
Down Payment
Financing Across Property Classes
Property types we support
From owner-occupied facilities to investment properties, we match your property type with lenders who understand the asset class.
Owner-Occupied
Office buildings
ndustrial / warehouse space (high demand)
Medical / dental offices (high demand)
Mixed-use (business + residential)
Self-storage facilities (low demand)
Best Fit When
Your business occupies 51%+ of the property. Strong SBA eligibility; favorable rates and terms available.
Investment / Rental
Multifamily (1–9 units)
Office buildings (tenant-occupied)
Industrial lease properties (high demand)
Specialty (car wash, gas station)
Hospitality / lodging (low demand)
Best Fit When
Property is held for rental income or investment purposes. Conventional CRE or non-bank structures typically apply.
Advisor-Led CRE Search
What we offer
Commercial real estate financing requires navigating multiple lender types, program structures, and underwriting criteria. We coordinate the process—so you compare real options instead of guessing which lender to call first.
This guarantee reduces lender risk, enabling more favorable terms for qualified businesses: lower down payments, extended repayment periods, and competitive rates for major capital investments.
Multi-Lender Comparison
Compare term sheets across traditional banks, SBA programs, and non-bank lenders—understand trade-offs before committing.
Right Lender Routing
Match your property type, use case, and borrower profile to lenders most likely to approve—saving time and preserving relationships.
DSCR & Underwriting Clarity
Understand how lenders evaluate debt service coverage, occupancy requirements, and property condition before applying.
COMMERCIAL LOAN RESOURCE CENTER More
Find the right CRE loan for your property
Not sure which financing route fits your deal? Use these quick guides to compare common CRE loan types, what they’re best for, and what lenders typically look for—so you can move forward with confidence.
LOAN BASICS
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What is a Commercial Real Estate Loan?
Overview of how CRE loans work, common structures, and what lenders evaluate when financing commercial property.
ELIGIBILITY & UNDERWRITING
Commercial Real Estate Requirements
Key qualification factors including occupancy, financial strength, and documentation lenders use to approve deals.
RATES & TERMS
Commercial Real Estate Rates
Typical interest rate ranges, loan terms, and timelines based on property type, stability, and borrower profile.
CONSTRUCTION FINANCING
Construction Loans
How construction loans work, including draw schedules, timelines, and loan-to-cost structures.
SHORT-TERM FINANCING
Commercial Bridge Loans
Flexible solutions for acquisitions, repositioning, or refinancing when timing and speed are critical.
INVESTMENT PROPERTY LOANS
DSCR Loans
Loans focused on property cash flow, commonly used for rental and income-producing real estate.
Flexible Capital Applications
Use of funds
CRE financing structures support a wide range of business-driven real estate objectives.
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Purchase
Rate/Term Refi
Cash-Out Refi
Tenant Improvements
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Renovation/Expansion
Acquisition + Real Estate
Bridge for Quick Close
Construction/TI
Overview
6 Ways to Improve DSCR
Key features of traditional commercial real estate financing for income-producing properties.
Permanent Financing
Long-term financing for stabilized, income-producing commercial properties
Loan Term:
5 – 30 years
Rate Range
5.00% – 8.00%
Advantages
Lowest available CRE interest rates
Long repayment terms up to 30 years
Predictable monthly payments
Ideal for stabilized, occupied properties
Disadvantages
Requires property stabilization
Typical closing timeline: 30–60 days
Full underwriting required
Less flexible for transitional properties
Construction Loans
Short-term financing for ground-up construction and major redevelopment
Loan Term:
6–18 Months
Rate Range
6.0–8.5%
Advantages
Enables new development and expansion
Interest-only payments during construction
Funds released in construction draws
Transition into permanent financing after completion
Disadvantages
Higher rates than stabilized loans
Requires construction experience or strong sponsorship
Requires detailed project plans and budget
Must refinance after project completion
Bridge Loans
Short-term financing for acquisitions, repositioning, or time-sensitive deals
Loan Term:
12-36mo
Rate Range
7.5-13%
Advantages
Fast closing (often 2–4 weeks)
Flexible underwriting
Works for unstabilized propertiesents
Helps bridge into permanent financing
Disadvantages
Higher interest rates
Short repayment period
Requires exit strategy
Not ideal for long-term hold
DSCR Loans
Financing based primarily on property cash flow rather than personal income
DSCR Range
5 – 30 years
Rate Range
5–8%
Advantages
Simplified documentation compared to traditional CRE loans
Available for purchase, refinance, or cash-out
Long-term financing up to 30 years
Suitable for investors scaling rental portfolios
Disadvantages
Higher rates than traditional permanent CRE loans
Requires property to generate sufficient income
Lower leverage compared to some bank loans
Limited availability for unstabilized or vacant properties
Financing Options
Choose the right CRE financing path
Compare SBA, bank, and non-bank CRE financing options to choose the best fit for your property, timeline, and total cost.
SBA 7(a)
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SBA 504
Conventional CRE Loans
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Non-Bank CRE Programs
Our CRE Differentiators
Why BestLoanUSA for CRE
We deliver competitive outcomes through multi-lender comparison and advisor-led guidance—not one-size-fits-all pitches.
Lenders Compete for Your Deal
Transparent side-by-side comparison of term sheets—understand rate, fees, structure, and covenants before committing.
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One Advisor, All Lenders
Navigate all lender types through a single point of contact—consistent guidance without juggling multiple relationships.
Built for Complex Deals
Experience matching complex property types and use cases with lenders who understand non-standard structures.
Fast Alternative Routing
If traditional bank criteria don't align, we immediately connect you with alternative lenders—no wasted time.
Structure Over Rate
Understand amortization, balloon payments, covenants, prepayment penalties—total deal cost, not headline rate.
No Obligation Advisory
Our platform coordinates financing—you're not locked into any lender until you choose. Advisory, not transactional.
Our Advisory Process
5-Step Process to Get Financing
Follow this proven process to secure your commercial loan
01
Choose Loan Type
Determine which financing fits your needs: permanent, construction, bridge, or SBA
02
Calculate Numbers
Use our calculator to determine payment, DSCR, and cash flow for your deal
03
Check Requirements
Verify you meet credit, down payment, DSCR, and experience requirements
04
Get Current Rates
Check latest rates for your property type and compare loan options
05
Apply for Financing
Submit application with all required documentation and financial info
Low-Risk Exploration
Our advisors coordinate lender outreach, document preparation, and term negotiation—delivering flexible credit access without navigating banks independently.
Underwriting Fundamentals
How CRE deals get approved
Understanding lender criteria helps you evaluate feasibility and prepare stronger applications.
DSCR Expectations
Typically 1.25x minimum for conventional; SBA may allow 1.15x with compensating factors.
LTV Ranges
SBA: up to 90%; Conventional: 80%; Bridge: 65–75% depending on property and borrower.
Occupancy Requirements
SBA requires 51%+ owner-occupancy; conventional CRE for investment or lower occupancy levels.
Time in Business
SBA: typically 3+ years; conventional banks: 2–3 years; non-bank: more flexible with strong property.
Property Condition / Value-Add
Banks prefer stabilized properties; bridge lenders finance value-add or transitional assets.
Documentation Basics
Tax returns, financials, rent rolls (if applicable), property appraisal, environmental reports.
Important:
These parameters reflect typical lender preferences, not absolute barriers. CRE underwriting varies significantly by lender type, property class, and borrower strength. Our advisors match your scenario to appropriate lenders and help structure applications to maximize approval likelihood.
Discuss Your Situation
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Client Testimonials
What our clients say
Business owners describe how our advisory platform helped them navigate complex financing decisions with clarity and confidence.
The platform connected us with lenders who understood seasonal revenue models.
Situation
After two bank rejections due to revenue concentration in Q2-Q3, we engaged BestLoanUSA.
Outcome
Approved for a $420K line of credit with terms around our operational calendar.
Jennifer Adams
Owner, Adams Landscaping Services
Commercial Services
They simplified the process and helped us choose the offer that actually fit our cash flow
Situation
We had multiple offers on the table, but the daily payment structures didn’t match our revenue cycle. We needed clarity fast.
Outcome
Secured a $180K working capital advance with a payment schedule aligned to our weekly revenue and no surprises in the final cost.
Marcus Reed
Owner, Reed Auto Repair
AUTO SERVICES
We got funded without the endless back-and-forth—just clear steps and real options.
Situation
Our business was growing quickly, but traditional lenders wanted longer time-in-business and more documentation than we could provide.
Outcome
Approved for a $95K MCA within days, letting us stock inventory and keep up with demand during our busiest month.
Sofia Martinez
Founder, Bloom & Co. Retail
RETAIL
They understood the difference between revenue and profit—and structured funding accordingly
Situation
We reinvest heavily, so our profit margins look thin on paper even though revenue is strong. Banks didn’t get it.
Outcome
Matched with a lender for a $320K line of credit that supported our expansion plan and kept utilization flexible.
David Chen
Co-Founder, NorthPeak Logistics
LOGISTICS
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
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We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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