Unlock the Equity in Your Commercial Property.
Turn your property’s built-up equity into working capital. Fund expansion, renovate, consolidate debt, or acquire another property through bank, SBA, and private lender options.
6 Ways to Use Cash-Out Equity
Cash-out refinancing replaces your mortgage with a larger one. You pocket the difference.
Business Expansion
Open a second location, hire, invest in equipment — without giving up equity to investors.
Tenant Improvements
Upgrade your building to attract better tenants, increase rents, or meet compliance.
Consolidate Debt
Pay off MCAs or credit lines at 30–60% APR by rolling them into a 6–9% mortgage.
Acquire Another Property
Use equity from Property A as down payment for Property B. Build your portfolio.
Working Capital
Create a cash cushion for seasonal slowdowns or unexpected expenses.
Partner Buyout
Access capital to buy out a business partner without liquidating assets.
Cash-Out Refinance by Loan Type
The right structure depends on property type, equity, and rate preference.
What to Know Before You Cash Out
Cash-out refinancing is powerful but not risk-free.
Higher Payments
Your new mortgage is larger. Make sure cash-out proceeds generate enough return to justify the increase.
LTV Limits
Most lenders cap at 65–75%. If your property is $2M and balance is $1M, you may access $300K–$500K.
Appraisal Required
If the property appraises lower than expected, your cash-out amount drops proportionally.
Prepayment Penalties
Check your existing loan for yield maintenance, defeasance, or other early payoff costs.
Do You Qualify?
How CRE Cash-Out Works
Estimate Available Equity
Current value minus existing balance. Most lenders allow cash-out up to 65–75% of appraised value.
Submit to BestLoanUSA
Share property address, current balance, estimated value, and planned use of proceeds.
Advisor Review
Dedicated advisor determines the best structure and identifies lenders most likely to approve your cash-out amount.
Lender Matching
We return competing term sheets. Compare rates, LTV, fees, and cash-out amounts side by side.
Appraisal & Underwriting
Lender orders appraisal. You submit tax returns, P&L, rent roll, bank statements, and payoff statement.
Close & Receive Funds
New lender pays off your existing mortgage. The difference is wired to you. 30–60 days conventional, 60–90 SBA.
Ready to Access Your Property Equity?
No credit pull. No commitment. Find out how much cash you can access.
Frequently Asked Questions
It replaces your existing mortgage with a larger loan. The difference is paid to you in cash at closing for any business purpose.
Most lenders allow 65–75% LTV for conventional. SBA programs may go up to 85% for owner-occupied properties.
Cash-out rates may be 0.25–0.50% higher than rate-and-term. But if your original rate was higher, you may still end up lower overall.
Yes. Investment properties with stable NOI are eligible through conventional, DSCR, or CMBS. LTV limits are typically 65–70%.
Most lenders require 6–12 months seasoning. Some bridge lenders may waive this requirement.
Payoff statement, 2 years tax returns, YTD P&L, rent roll, bank statements, and a lender-ordered appraisal.
