Lower Your Rate.
Restructure Your Commercial Property Loan.
Whether your rate is too high, your loan is maturing, or you want to pull cash out — we help you compare refinance options across bank, SBA, and private lenders.
5 Reasons Commercial Property Owners Refinance
Refinancing isn't just about a lower rate. It's about restructuring your loan to match where your business is today.
Lower Your Interest Rate
If rates dropped or your property's value improved, you may qualify for meaningfully better terms today.
Cash-Out Equity
Access capital from your property’s equity to fund expansion, cover TI, or consolidate debt. Up to 75% LTV.
Balloon Payment Coming
Many CRE loans have 5–7 year balloons. Start the refi process 6–12 months before maturity.
Exit Hard Money
Hard money at 10–14% served its purpose. Refinance into a bank or SBA loan at 5.5–8%.
Fixed vs Floating
Floating rates expose you to payment volatility. Lock in a fixed rate for 10–25 years of stability.
Improve DSCR
Better loan structure improves your Debt Service Coverage Ratio, strengthening your profile for future lending.
Which Refinance Fits Your Situation?
The right structure depends on your property type, occupancy, and goals.
Do You Qualify?
CRE refinance requirements vary by loan type. Here's what most lenders look for.
How CRE Refinancing Works
Review Your Current Loan
Gather your current loan statement, property address, estimated value, and remaining balance. Know your maturity date and current rate.
Submit to BestLoanUSA
Share your property details, loan purpose, and financial profile. No credit pull required at this stage.
Advisor Review
Dedicated advisor reviews your situation, identifies the most likely lender routes, and discusses structure options with you directly.
Lender Matching & Offers
We match your deal to banks, credit unions, SBA lenders, and private lenders based on property type, geography, LTV, and DSCR.
Documentation & Underwriting
Typical docs: rent roll or business financials, 2 years tax returns, property appraisal, title, and existing loan payoff statement.
Close & Fund
New lender pays off your existing loan. You begin repayment under the new structure. Timeline: 30–60 days from application.
Ready to Explore Your CRE Refinance Options?
No credit pull. No commitment. Just a clear picture of what's available for your property.
Frequently Asked Questions
CRE refinancing replaces your existing commercial mortgage with a new one — typically to lower your rate, adjust your term, pull out equity, or exit a short-term loan like hard money.
Most lenders prefer 660+. Some community banks and DSCR lenders work with 640+. Stronger DSCR and LTV give lenders more flexibility on credit.
DSCR measures whether your property income covers debt payments. Most lenders require 1.20x minimum. A higher DSCR unlocks better rates and higher loan amounts.
Standard CRE refinances close in 30–60 days. SBA 504 may take 60–90 days. Private and bridge loan refinances can close in 2–3 weeks.
Yes. Once your property is stabilized, you can take out the hard money loan with a conventional bank, SBA, or DSCR loan at a much lower rate. This is called a takeout refinance.
2 years tax returns, 3–6 months bank statements, rent roll or business P&L, existing loan payoff statement, and a lender-ordered appraisal.
