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
Fast Approval
Get Your CRE Rate in 24 Hours
Submit once, compare offers from 30+ lenders — no hard credit pull.
Start Application
Browse by Property Type
Office BuildingsRetail PropertiesIndustrialMedical OfficeWarehouseRestaurantHotel & HospitalitySelf-StorageMixed-UseLand & Development
Property Specialists
Not Sure Which Loan Fits Your Property?
Jason Kim and our CRE team have closed $200M+ across every property type.
Talk to a Specialist
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.
Check SBA Eligibility
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.
View All Calculators
Articles & Guides
Article Hub
107 expert articles on CRE financing, strategy, and tips
Capital Insights Blog
Market commentary and lending analysis from our team
Industry Financing Hub
Sector-specific financing guides for every industry
Reference & Support
CRE Glossary
Definitions for every term lenders use
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
Free Download
CRE Document Checklist 2025
Everything lenders require — organized by loan type and property category.
Download Free
Advisor-led business financing

Funding that fits your business.

Compare SBA loans, term loans, lines of credit, and CRE financing across 70+ lenders — with one short form and no credit impact during pre-screening.

See my options →How it works
✔ No credit impact to pre-qualify🏢 70+ bank & non-bank lenders💰 Always free to borrowers

Check your options in 1 minute

Tell us a little about your business. No documents required to start.

Requested amount
$150,000
Loan purpose
Working capital
Time in business
2–5 years
Monthly revenue
$40,000
See my matches →
🔒 Soft pull only — checking won't affect your credit score.
Benchmark rates Commercial lending indices
LIVE
10-YR Treasury
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Fixed-rate benchmark
5-YR Treasury
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Mid-term benchmark
SOFR
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Variable-rate benchmark
Prime rate
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SBA 7(a) benchmark
Source: Federal Reserve (FRED) Updated daily

How It Works

A clear path from application to funding

Our process is designed to help business owners compare business financing options clearly before choosing a lender path.

STEP 01

Tell Us About Your Business

Short intake form: revenue, time in business, loan purpose, requested amount.

STEP 02

We Match You with the Right Lenders

Expert-driven matching based on real approval criteria. No data blasting. No spam.

STEP 03

Compare Real Offers

Review options across SBA loans, term loans, lines of credit, equipment financing, and more.

STEP 04

Get Funded

Choose the option that fits you best and move forward efficiently.

Person writing notes in a notebook with a pen, next to a laptop and smartphone on a white desk.

Advisor-reviewed

Reviewed before lender outreach.

No credit impact during pre-qualification

Loan Programs

Every CRE Financing Structure, One Platform

From conventional mortgages to bridge loans — compare real options across 12 distinct programs.

CRE Loan Overview

How commercial loans work, common structures, and what lenders evaluate

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Qualification Requirements

DSCR, credit score, down payment, and documentation checklist

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Current CRE Rates

Rate ranges by property type, loan structure, and borrower profile

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CMBS Loans

Non-recourse financing with competitive fixed rates for stabilized commercial properties

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Bridge Loans

Short-term financing for acquisitions, repositioning, or refinancing

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DSCR Loans

Income-based qualification without personal income documentation

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CRE Refinancing

Lower rates, better structure, or access equity from existing property

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Owner-Occupied

Buy the building your business operates in with SBA 504 or conventional

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Cash-Out Refinance

Access equity from your commercial property for expansion or acquisition

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Hard Money Takeout

Exit bridge or hard money loans with conventional or SBA refinancing

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Investment Property

DSCR and conventional financing for income-producing properties

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Tenant Improvement

Finance buildout and renovation through CRE loans or SBA programs

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PROPERTY TYPES

Financing for Every Property Class

Each property type has unique lending criteria, risk profiles, and lender preferences. Find specialized financing matched to your asset.

Retail

Shopping centers & strip malls

Industrial

Manufacturing & distribution

Multifamily

Apartments & residential complexes

Warehouse

Logistics & cold storage

Medical Office

MOBs, clinics & surgery centers

Hotel

Full-service & boutique hospitality

Restaurant

QSR, casual & fine dining

Self-Storage

Climate-controlled & drive-up

Mixed-Use

Retail + office + residential combo

Dental Office

Dental & specialty practices

Auto Dealership

New & pre-owned vehicle sales

Auto Repair

Service, collision & quick-lube

Office

Class A/B/C buildings & coworking

C-Store & Gas

Convenience stores & fuel stations

Car Wash

Express tunnel & full-service

Gym & Fitness

Gyms, studios & recreation

View All Property Types →

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

Platform Comparison

How we compare

A structured comparison of marketplace coordination versus individual lender relationships.

Direct Provider

Traditional Banks

Access to multiple lenders

Dedicated advisory support

Side-by-side offer comparison

Coordinated multi-source financing

Transparent fee disclosure

SBA loan access

Traditional term loans

Alternative capital products

Fast-track approval options

No obligation to accept

Marketplace Platform

BestLoanUSA

Access to multiple lenders

Dedicated advisory support

Side-by-side offer comparison

Coordinated multi-source financing

Transparent fee disclosure

SBA loan access

Traditional term loans

Alternative capital products

Fast-track approval options

No obligation to accept

Start Now

Direct Provider

Alternative Lenders

Access to multiple lenders

Dedicated advisory support

Side-by-side offer comparison

Coordinated multi-source financing

Transparent fee disclosure

SBA loan access

Traditional term loans

Alternative capital products

Fast-track approval options

No obligation to accept

Advisor Note

We compare bank and non-bank options and walk you through trade-offs before you commit. Our role is to present appropriate financing structures for your situation, not to push specific products or lenders.

Platform Context

This comparison reflects structural differences in how financing is coordinated, not a judgment of individual lender quality. Each approach serves different business situations and preferences.

BestLoanUSA functions as a marketplace coordinator, providing access to both traditional and alternative capital sources through a single advisory relationship.