Finance Your Commercial Property
Purchase, refinance, or renovate commercial real estate with competitive rates and flexible terms.
Apply NowNot sure which loan fits your business? Side-by-side comparison of all our loan products.
What Are Commercial Real Estate Loans?
Commercial real estate (CRE) loans are specifically designed to help businesses purchase, refinance, or improve commercial properties such as office buildings, retail spaces, warehouses, industrial facilities, and multi-family apartment buildings.
These loans typically have longer terms than traditional business loans and use the property itself as collateral. They're ideal for businesses looking to own their operating space, invest in income-producing properties, or expand their real estate portfolio.
Pros
- Build equity instead of paying rent
- Long repayment terms (up to 25 years)
- Competitive interest rates
- Tax-deductible interest payments
- Property appreciates over time
Cons
- Requires significant down payment (15-35%)
- Lengthy application and approval process
- Property appraisal and inspection required
- Personal guarantee often required
- Market fluctuations affect property value
Who Should Consider Commercial Real Estate Loans?
Commercial real estate loans are best suited for established businesses with strong financials looking to invest in property. Consider this option if you:
- Want to own your business location
- Looking to invest in income properties
- Have strong credit and down payment
- Need to refinance existing property debt
- Want to expand your real estate portfolio
- Seeking long-term asset appreciation
Eligibility Requirements
Time in Business
2+ years operating
Credit Score
680+ required
Down Payment
15-35% of property value
Documentation
Financial statements, tax returns, property details
Rates & Terms
| Feature | Details |
|---|---|
| Loan Amount | $100,000 – $50,000,000+ |
| Interest Rate | 5% – 12% (varies by property type) |
| Repayment Term | 5 – 25 years |
| Down Payment | 15% – 35% of purchase price |
| Approval Time | 2 – 6 weeks |
| Funding Speed | 30 – 60 days after approval |
| Collateral | Property serves as collateral |
| Best For | Established businesses investing in property |
Are Commercial Real Estate Loans Right For You?
If you're an established business with strong financials looking to invest in property ownership rather than renting, commercial real estate loans offer competitive rates and long terms. Be prepared with a substantial down payment and solid credit history.
Ready to Invest in Commercial Property?
Let's discuss your commercial real estate financing options
Rates, Terms & Approval Disclosure: All loan amounts, interest rates, repayment terms, and funding timelines shown on this page are representative ranges only and are not guaranteed. Actual offers are determined by individual lender underwriting criteria and depend on your business revenue, credit profile, time in business, and other factors. Approval is not guaranteed. Capital Corner is a loan broker — not a direct lender — and does not make credit decisions. We connect applicants with our network of third-party lending partners who make all final lending decisions. Submitting an application does not constitute a commitment to lend, and no funds will be disbursed without a signed agreement from an approved lender. Results vary. Not all applicants will qualify for the amounts or rates advertised. This information is for general educational purposes only and does not constitute financial, legal, or tax advice.