Commercial real estate (CRE) loans help business owners and investors buy, refinance or improve property such as offices, retail space, warehouses, mixed-use buildings and multifamily properties. Terms depend on the property, the borrower and the loan structure.
What CRE financing can be used for
- Purchasing an owner-occupied or investment property
- Refinancing an existing commercial mortgage
- Renovating or expanding a property you own
- Cash-out refinancing, where available
What lenders typically review
Lenders look at both you and the property: your credit and financial history, the property’s value and condition, how much you are putting down, and the income the property or your business generates. Loan-to-value and debt-service coverage are two common measures, and requirements vary by lender and loan type.
Documents you may be asked for
Commonly requested items include business and personal tax returns, bank statements, a profit and loss statement, a schedule of real estate owned, entity documents and details on the property. Your specialist will give you a checklist, and you can upload everything through our client portal.
Compare your options
Some projects are better served by an SBA loan, which can be used for real estate, or by shorter-term funding such as working capital for the business itself. We can walk through the tradeoffs.
Frequently asked questions
Do I need a down payment?
Most commercial real estate loans require one. The amount varies by loan type, property and borrower.
Can I refinance a property I already own?
Often yes. Eligibility depends on the property, the current loan and your financial profile.
Funding products, amounts, rates, fees and terms vary and are subject to credit review and approval. Not all applicants will qualify. This page is general information, not a commitment to lend or financial advice.