Apply Now arrow
  • Home
  • commercial real estate loans

Clear-Cut CRE loans to fund
big projects

Access capital secured by commercial real estate to capture your biggest business opportunities.

cremen

Commercial Real Estate Loan Overview

Average Loan amount:

$250K – $6M

*Based on all CRE loan transactions January 2023 - December 2023

Interest-Only up to 36 Mos.

*Terms vary depending on qualifications

CRE Lending Experts Standing By

Learn about our CRE loans.

Leverage your commercial real estate equity to seize business opportunitites today. Designed for businesses making bold moves.

Commercial real estate CRE (commercial real estate-secured) loans make it easy to reinvest your
capital in your next business opportunity.

Some popular reasons to seek CRE loans are:

  • growBusiness

    Grow your
    business

  • hireStaff

    Acquisition
    of new business

  • renovation

    Fund a
    renovation project

  • debt

    Refinance existing business loans

CRE Loans That Give You Flexibility

Get interest-only financing and funding amounts based on your CRE equity and business cash flow to provide the freedom you need to meet your goals.
Terms ranging from 12 to 36 months offer a flexible payment structure.

*Terms vary depending on qualifications

repaymentSimplicity

Repayment Simplicity

Enjoy predictability and flexibility with monthly payments and interest-only payment options.

dedicated-funding-specialists

Dedicated Funding Specialists

Consult a commercial real estate loan specialist to determine what loan amount fits your business best. Our CRE team guides you through the process so you have someone helping you all along the way.

fastCreLanding

Efficient CRE Lending

You have big goals for your business. The CRE loan process doesn’t have to get in the way. A CRE loan expert will work with you handle the details and documentation and streamline the CRE lending process.

Note: CRE Loans are structured financing deals and have longer closing cycles. Closing times vary.

Is a CRE loan right for your business?

Most customers get started with:

  • annualRevenue

    Annual Revenue
    Greater than $250K

  • credtScore

    650 Credit
    Score or Above

  • property

    Already have equity in Commercial
    Property

  • monthlyBusiness

    At least 18 Months in Business

From One Entrepreneur to Another: We Get You

We understand what’s behind building a business you believe in.

customer

" We had always dreamt of having a banquet hall, and it came true after the financing from Biz2Credit.

We would recommend Biz2Credit 100% without fail, no questions about it."

Vicky Vij and Raja Jhanjee

Owners of Bukhara Grill
Customer since 2008

How our CRE Loans work

financing-step1

Step 1

Create Your Profile

Provide us with your basic business information to help us understand your funding needs.

financing-step2

Step 2

Start Your Application for Funding Online

Then complete the application by submitting documentation about your business's finance s and the commercial real estate property your business owns.

financing-step4

Step 3

Connect With Your Funding Specialist

At any time during the process, connect with one of our CRE lending experts about your application. Your specialist can update you about your application status and eligibility requirements for a CRE Loan.

accepted

Step 4

Get Qualified for a CRE Loan

If your business qualifies for a CRE loan, you will be notified of your eligibility and the loan closing documentation requirements. Subject to final documentation requirements and eligibility review.

Commercial Real Estate Loans Articles

financing-step1

Understanding Loans for Commercial Real Estate and More Loan Types

Savvy small business owners know you have to spend money to make money. But saying that you need a

Read More
financing-step1

Why Real Estate Might Not Be Your Best Asset for a Business Loan

Trying to secure a small business real estate loan? If so, taking inventory of your assets is a vital part of the process.

Read More
financing-step1

Understanding Commercial Loans

The term “commercial loan” can mean many different things depending on who you talk to. Many people use the term to describe

Read More
financing-step1

What’s the Difference Between an SBA Loan and a Commercial Loan?

Two of the most common forms of business lending are commercial loans and United States government-backed Small Business Administration (SBA) loans.

Read More
financing-step1

A Guide to Securing Commercial Property Loans

Securing a commercial property loan is a pivotal step for any business looking to invest in real estate.

Read More
More articles

Frequently Asked Questions

What types of properties qualify for a commercial real estate loan?

A variety of properties can be used to finance commercial real estate loans. Office buildings (single-tenant, multi-tenant & skyscrapers), retail properties (shopping centers, strip malls, standalone retail stores), industrial properties (warehouses, distribution centers, etc.), hotels and self-storage properties are just some examples of properties that can qualify for commercial real estate loans.

What is the typical loan-to-value (LTV) ratio for commercial real estate loans?

The typical LTV ratio ranges from 65% to 80%, depending on the property type and borrower's creditworthiness. This means lenders are usually willing to finance 65% to 80% of the property’s appraised value, with the borrower providing the remaining 20% to 35% as equity. But exact LTV depends upon property type, borrower’s creditworthiness and real estate market trends.

What is the difference between recourse and non-recourse commercial real estate loans?

Both recourse and non-recourse loans allow lenders to seize the assets that are given as collateral at the time of getting the loan in case the borrower defaults on the repayment. With a recourse loan, lenders can go after a borrower’s other assets if they don’t get back all of their money. But with a non-recourse loan, a lender can collect from the collateral but cannot go after other assets of the borrower. So, non-recourse loans have higher rates, stricter terms and other stringent conditions.

Can I refinance an existing commercial real estate loan?

Yes, generally refinancing options are available. It can have several benefits such as lower monthly payments, extended terms, access to equity, avoidance of hefty balloon payments and more. But you might also have to be large upfront cost and pay a prepayment penalty from your lender too. Also, not all commercial properties can be refinanced.

Are there prepayment penalties for commercial real estate loans?

Yes, there are prepayment penalties for commercial real estate loans in the US and they are pretty common. These penalties are fees charged to borrowers who repay their loans before the agreed maturity date to make up for the loss of anticipated interest income for the lenders.
x
”Your browser does not support the images displayed on this website. Please try to access the site from the latest version of Google Chrome, Safari, Microsoft Edge or Mozilla Firefox”