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Commercial real estate
What Is a Commercial Real Estate Loan?
Long-term financing solutions for income-producing properties - structured for investors, not owner-occupied homebuyers.
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$500K+
Min. Office Loan
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30-75 days
Timeline
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5-8%
Interest Rates
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Up to 30 yrs
Loan Terms
Financing Across Property Classes
Investment Property Financing
Two distinct loan structures designed for different property types and investment strategies.
Commercial Investment Loans
Rates: 5%–8%
Term: Up to 25–30 years
Down payment: Typically 35%+
Closing: 30–75 days
Property types: Office, Industrial, Multifamily (5+), Mixed-use
Best Fit When
Designed for stabilized, income-producing commercial real estate properties.
Residential DSCR Loans (1–9 Units)
Based on rental income (DSCR required)
Term: 20–30 years
Rates: Similar to commercial investment
Down payment: 10%+
Personal guarantee usually required
Prepayment penalties common
Best Fit When
Financing based on property cash flow — not personal income.
Financing Across Property Classes
Property Types Financed
We finance a wide range of investment properties across commercial and residential asset classes.
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Multifamily (5+ Units)
Office Buildings
Industrial / Warehouse
Mixed-Use Properties
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Apartment Portfolios
Retail (Selective)
CALCULATOR
Estimate Your Investment Property Payment
Model your potential monthly payment based on rate, term, and loan size.
Overview
Commercial Investment Loan Snapshot
Key features of traditional commercial real estate financing for income-producing properties.
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25–30 Year Amortization
Long-term repayment schedules that reduce monthly payments and improve cash flow.
Balloon Options Available
Shorter loan terms (5-10 years) with full amortization schedule, refinance or payoff at maturity.
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Stabilized Property Required
Property must have consistent occupancy and rental income history (typically 80%+ occupancy).
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DSCR Typically 1.20x+
Net operating income must exceed annual debt service by at least 20% to qualify.
Professional Appraisal Required
Independent property valuation ordered by lender to verify market value and condition.
Personal Guarantee Often Required
Borrowers with 20%+ ownership typically provide personal guarantees for recourse loans.
Terms
Key Terms to Know
From processor connection to funding in 5 simple steps. Most businesses funded within 48 hours.
Loan-to-Value (LTV)
The ratio of the loan amount to the appraised property value. Commercial loans typically allow 65-75% LTV, while DSCR residential may go up to 90% LTV.
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Debt Service Coverage Ratio (DSCR)
Net Operating Income divided by Annual Debt Service. Measures whether rental income covers loan payments. Lenders typically require 1.20x or higher.
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Amortization Period
The timeframe over which the loan is fully repaid. Commercial loans often use 25-30 year amortization, even if the term is shorter (balloon structure).
Personal Guarantee
Borrower's personal commitment to repay the loan if the property cannot. Typically required from owners with 20%+ equity stake in the borrowing entity.
Stabilized Property
A property with consistent occupancy (typically 80%+) and rental income history. Most commercial lenders require properties to be stabilized, not in lease-up or heavy renovation.
Quick Summary
What Is a Commercial Investment Loan?
A commercial investment loan is financing used to acquire or refinance income-producing real estate. Unlike owner-occupied residential loans, approval is primarily based on the property's performance and cash flow.
How It's Evaluated
Property income, Operating expenses , Net operating income (NOI)
Common Use Cases
Acquiring rental portfolios, Refinancing stabilized assets, Cash-out for expansion
Not Included
Primary residence loans, Owner-occupied home mortgages
Types of CRE LOANS
Types of Commercial Real Estate Loans
Restaurants have unique characteristics that make MCAs a natural fit—when used strategically.
Commercial Investment Mortgage
Long-term financing (25-30 years) for stabilized commercial properties. Fixed or adjustable rates, typically 65-75% LTV, requires DSCR 1.20x+. Best for office, industrial, multifamily (5+ units).
DSCR Rental Loan (1–9 Units)
Residential investment property loans qualified on rental income, not personal income. Terms up to 30 years, 10-25% down payment, DSCR-based approval. Ideal for individual rental properties and small portfolios.
Portfolio Loans
Single loan secured by multiple properties, simplifying financing for investors with several assets. Streamlined underwriting, cross-collateralization, bulk acquisition or refinancing.
Bridge Loans (Short-Term)
Temporary financing (6-24 months) for properties in transition—renovation, lease-up, or pending sale. Higher rates, interest-only payments, exit strategy required. Not for long-term hold.
Qualification Requirements
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Commercial Investment
35%+ down payment
DSCR 1.20x+
Stabilized property
Strong liquidity
Professional appraisal
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Residential DSCR
10%+ down payment
DSCR qualification
Rental history preferred
Personal guarantee
Credit review required
HOW IT WORKS
How to Get Revenue-Based Financing
From application to funding in 4 simple steps. Most businesses get funded within 1-2 weeks.
Initial Property Review
Submit property details, rent roll, operating statements, and purchase agreement. We evaluate viability and lender fit.
Financial Analysis (DSCR)
Underwriters analyze net operating income, debt service coverage ratio, and borrower creditworthiness.
Term Sheet Issued
Receive preliminary loan terms—rate, LTV, amortization, prepayment structure. Review and accept to proceed.
Appraisal & Underwriting
Professional appraisal ordered, environmental review conducted, title search completed. Full underwriting finalized.
Funding
Final docs signed, conditions cleared, funds disbursed at closing. Title and insurance finalized.
COMPARISON
Commercial Investment vs Residential DSCR
Understand the key differences to choose the right option for your business.
Category
Commercial Investment
Residential DSCR
Property Type
Office, industrial, multifamily (5+), mixed-use
1–9 unit rental properties
Units
Typically 5+ units
1–9 units
Down Payment
25%–35%+
10%–25%
Term
Up to 25–30 years
20–30 years
Qualification Basis
Property DSCR, NOI, borrower strength
Rental income DSCR, credit review
Personal Guarantee
Often required (20%+ owners)
Usually required
Closing Timeline
30–75 days
30–75 days
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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