Commercial real estate financing offers a wide range of solutions tailored to meet the diverse needs of property investors, developers, and business owners. Whether you're purchasing a hotel, building a healthcare facility, renovating an apartment complex, or acquiring office or retail space, there's a loan product designed to fit your goals. From SBA and DSCR loans to bridge, construction, and hard money financing, our expert brokerage team connects you with the right lenders and terms for your project - ensuring access to capital for both owner-occupied and investment properties across every asset class.
Senior Housing Loans provide specialized financing for the acquisition, development, or renovation of assisted living facilities, memory care units, and other senior-focused residential properties. These loans are tailored to meet the unique needs of this growing sector, including regulatory compliance, medical facility integration, and long-term care services. Lenders often consider both the real estate value and the operational performance of the facility when underwriting the loan. With flexible terms and competitive rates, senior housing financing supports operators and investors looking to meet the increasing demand for quality senior care environments while maximizing occupancy and return on investment.
Small Business Administration (SBA) Loans offer government-backed financing for eligible small businesses to purchase, build, or refinance commercial real estate. Programs such as SBA 7(a) and SBA 504 provide long-term, low-interest funding with minimal down payments, making them an attractive option for growing businesses. SBA loans are often used for owner-occupied properties like office buildings, retail spaces, or warehouses. In addition to real estate, these loans can cover equipment purchases and working capital, giving entrepreneurs the tools they need to scale operations. SBA loans require detailed documentation and approval but offer significant financial advantages and stability for long-term growth.
Bridge Loans are short-term financing solutions used to “bridge the gap” between immediate capital needs and long-term financing or the sale of a property. Ideal for investors acquiring a property quickly, completing renovations, or waiting on conventional financing, bridge loans offer fast approvals, interest-only payments, and flexible terms. These loans are commonly used in real estate transactions that require speed and agility, such as auction purchases, time-sensitive closings, or turnaround projects. While rates are generally higher than traditional loans, the short-term nature and quick access to funds make bridge loans a powerful tool for seizing opportunities in a competitive market.
Construction Loans provide the funding necessary to build new commercial real estate developments from the ground up or to complete major renovations on existing properties. These loans are typically structured as short-term financing with interest-only payments during the construction phase, followed by a permanent loan or refinance upon project completion. Lenders closely monitor construction progress and release funds in stages (draws) tied to completed milestones. Construction loans are ideal for developers building apartments, hotels, office buildings, healthcare centers, or mixed-use projects, and often require detailed project plans, contractor agreements, and cost estimates as part of the underwriting process.
Debt Service Coverage Ratio (DSCR) Loans are underwritten based on the income-generating potential of a commercial property rather than the borrower's personal income or credit score. These loans assess whether a property's net operating income (NOI) sufficiently covers the loan's debt obligations - commonly requiring a DSCR of 1.20 or higher. DSCR loans are favored by real estate investors who seek simplified approval processes, particularly for rental properties or portfolios. With fewer documentation requirements and a focus on asset performance, DSCR loans offer flexibility and speed, making them a valuable financing option for experienced investors and property managers.
Hard Money Loans are asset-based, short-term financing solutions offered by private lenders rather than traditional banks. These loans are secured by the value of the real estate itself, making them ideal for borrowers with poor credit, non-traditional income, or urgent funding needs. Hard money loans are commonly used for fix-and-flip projects, land acquisition, or distressed property purchases. While interest rates and fees are typically higher than conventional loans, the streamlined approval process and quick funding timeline make them attractive for time-sensitive investments or turnaround opportunities where conventional lending may fall short.
Fix & Flip Loans are designed for real estate investors looking to purchase, renovate, and resell properties for a profit within a short time frame. These loans cover both the acquisition cost and a portion (or all) of the renovation expenses, with repayment typically due upon sale of the property. Because of the short-term nature of the investment, fix & flip loans feature fast closings, flexible terms, and interest-only payments. They're ideal for experienced flippers who can manage renovations efficiently and add significant value to distressed or outdated properties. Investors benefit from increased buying power and the ability to act quickly in competitive markets.
Owner Occupied Loans are commercial real estate loans where the borrower also operates their business on the property being financed. Examples include office buildings, medical clinics, retail storefronts, or industrial warehouses that house the borrower's operations. These loans often come with more favorable terms, including lower interest rates and longer amortization periods, as lenders consider owner-occupied properties less risky. Borrowers may also qualify for SBA-backed programs or other incentives. Owner occupied financing allows businesses to build equity, control occupancy costs, and invest in their future while gaining stability and control over their operational environment.
Investment Property Loans provide funding for the purchase, refinancing, or improvement of income-generating real estate such as multifamily housing, office buildings, retail centers, or mixed-use developments. These loans are based primarily on the property's projected cash flow, value, and location, rather than the personal financials of the borrower. Investors benefit from scalable financing options, including fixed and variable-rate terms, interest-only periods, and portfolio loan structures. Investment property loans are designed to maximize return on investment while supporting long-term growth, making them a critical tool for both new and experienced real estate investors.
Hotel Loans offer specialized financing for the acquisition, renovation, construction, or refinancing of hospitality properties such as boutique hotels, flagged franchises, motels, and extended-stay lodging. Lenders evaluate factors like occupancy rates, revenue per available room (RevPAR), management experience, and market demand. Hotel loans may include SBA programs, bridge loans, or conventional options, depending on the borrower's goals. These loans are structured to accommodate seasonal fluctuations, renovation timelines, and branding requirements, helping hotel owners and developers navigate the complex financial and operational landscape of the hospitality industry.
Apartment Loans are used to finance the purchase, renovation, or refinance of multifamily residential properties with five or more units. These loans are tailored to meet the needs of investors seeking long-term cash flow and appreciation from rental properties. Options range from agency loans (Fannie Mae, Freddie Mac) to bank loans and portfolio financing, each with varying terms, prepayment structures, and underwriting requirements. Lenders often focus on occupancy rates, rental income, and property condition. Apartment financing supports scalable investments, allowing individuals and firms to grow their real estate portfolios while generating steady, passive income..
Office Building Loans provide capital for acquiring, developing, or refinancing office spaces, including multi-tenant properties, medical offices, and corporate campuses. These loans are structured based on the building's location, tenant mix, lease terms, and projected rental income. Borrowers may pursue traditional commercial mortgages, bridge loans, or SBA-backed financing depending on whether the property is owner-occupied or investment-based. As hybrid work trends evolve, lenders are paying close attention to occupancy rates, adaptability of floor plans, and building amenities. Office building loans help property owners stay competitive and accommodate tenant needs in a changing commercial landscape.
Retail Loans finance the acquisition, improvement, or refinancing of commercial properties used for retail operations, such as shopping centers, strip malls, standalone stores, or mixed-use developments. Lenders evaluate the property's location, anchor tenants, lease agreements, and foot traffic when underwriting these loans. Retail financing can be structured for owner-users or investors, with options that include conventional loans, SBA loans, and bridge financing. As retail continues to evolve with e-commerce and experiential trends, retail loans offer flexibility to adapt, reposition, or upgrade retail assets to meet market demand and maintain profitability.
Healthcare Loans provide tailored financing solutions for medical, dental, and healthcare-related real estate properties, including urgent care centers, outpatient clinics, surgical centers, and specialty practices. These loans address the unique needs of the healthcare sector, including equipment-heavy build-outs, regulatory compliance, and specialized facility design. Healthcare real estate lenders often consider both the property and the practice's revenue when evaluating applications. Loan structures may include fixed or adjustable rates, interest-only periods, and SBA backing. Healthcare financing enables providers to expand services, improve patient care environments, and invest in long-term practice growth.