Traditional Commercial Financing Options
Explore standard financing solutions with competitive rates and flexible terms
Conventional Commercial Real Estate Loans
Standard loans from banks or credit unions for income-producing commercial properties, typically with competitive rates and terms based on creditworthiness.
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SBA 7(a) Loans
Backed by the U.S. Small Business Administration, these are flexible loans ideal for small business purchases, working capital, or property acquisition.
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SBA 504 Loans
Used for purchasing fixed assets like commercial real estate or equipment. Offers long-term, fixed-rate financing with partial funding from a CDC and the SBA.
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Commercial Bridge Loans
Short-term financing used to 'bridge' the gap between a project's immediate funding needs and long-term financing.
Learn MoreConstruction and Development Financing
Specialized funding solutions for building and improving commercial properties
Construction Loans
Short-term loans used to finance the construction or renovation of commercial properties. Funds are typically released in stages as work progresses.
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Hard Money Loans
Short-term, asset-based loans typically from private lenders. Often used for fix-and-flip or time-sensitive real estate deals.
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Private Money Loans
Similar to hard money, but often sourced from individual investors rather than institutions. Flexible terms and ideal for unique projects.
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Mezzanine Financing
A hybrid of debt and equity financing, often used to fill funding gaps in large acquisitions or developments.
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Flexible financing options to support business operations and growth
Commercial Line of Credit
A revolving credit facility that allows businesses to draw funds as needed for short-term working capital or operational expenses.
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Stated Income Commercial Loans
Designed for self-employed or asset-rich borrowers. These loans emphasize asset value and income potential over traditional documentation.
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CMBS Loans
Loans packaged and sold as securities to investors. Fixed-rate, non-recourse loans ideal for stabilized properties.
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Owner-Occupied Commercial Mortgages
Used by business owners to purchase property for their own operations. Lenders typically consider both business and property income.
Learn MoreSpecialized Equipment and Asset Financing
Funding solutions for business equipment, inventory and operational assets
Equipment Financing Loans
Used to purchase machinery, vehicles, or other business equipment. Equipment itself serves as collateral.
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Accounts Receivable Financing
Allows businesses to borrow against outstanding invoices or sell them to improve cash flow.
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Inventory Financing
A short-term loan secured by a company's inventory, used to purchase additional stock or meet seasonal demand.
Learn MoreIndustry-Specific Loan Products
Tailored financing solutions for specialized business sectors
Hospitality Loans
Designed for hotels, motels, and resorts, these loans often cover acquisition, renovations, or refinancing.
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Multi-Family Property Loans
Loans for properties with five or more residential units. Includes apartment buildings, student housing, and senior living facilities.
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Mixed-Use Property Loans
Used for properties combining residential, retail, and/or office space.
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Industrial Property Loans
Loans for warehouses, manufacturing plants, and logistics centers.
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Alternative Financing Structures
Innovative funding solutions for unique commercial projects
Joint Venture Financing
Equity-based partnership where two or more parties pool resources to develop or invest in commercial real estate.
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USDA Business & Industry Loans
Offered through the U.S. Department of Agriculture for businesses in rural areas to support real estate, equipment purchases, or working capital.
Learn MoreFrequently Asked Questions About Commercial Loans
Get answers to common questions about business financing options
How do I determine which type of commercial loan is best for my business?
The best commercial loan type depends on several factors: your business model, property type, timeline, credit profile, and available equity. Conventional loans typically offer the best rates for borrowers with strong credit and established businesses, while SBA loans provide flexibility for growing businesses. Bridge or hard money loans work best for time-sensitive deals or when quick funding is needed.
What are the typical interest rates for different commercial loan types?
Interest rates vary widely based on loan type and borrower qualifications. Conventional commercial loans generally range from 4.5-7%, SBA loans from 5-9%, construction loans from 6-12%, and hard money loans from 8-15%. Specialty financing like equipment loans typically range from 5-10%, while bridge loans may be 7-12%. Rates fluctuate with market conditions and borrower strength.
What documentation is typically required for commercial loan applications?
Common documentation includes 2-3 years of business and personal tax returns, financial statements (profit & loss, balance sheet), personal financial statement, business plan for newer ventures, property information (rent rolls, leases, etc.), entity documentation (articles of incorporation, operating agreements), and details about the transaction. Requirements vary by lender and loan type.
How long does the commercial loan application process take?
Timeframes vary by loan type: conventional commercial loans typically take 45-60 days, SBA loans 60-90 days, construction loans 60-90 days, and bridge or hard money loans as little as 1-2 weeks. Factors affecting timeline include property complexity, documentation readiness, environmental issues, and lender workload.
Related Commercial Financing Resources
Tools and insights to support your business financing decisions
Loan Comparison Calculator
Compare different commercial loan options side-by-side to determine the best financing solution for your business needs.
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Commercial Loan Requirements
Learn about qualification criteria and documentation needed for approval across various loan types.
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