Commercial Real Estate Loans

When you rent workspace for your business, you’re vulnerable to rent hikes, landowner restrictions, and tenant improvement battles. When you own, you make the rules. Protect your business finances from increasing costs and let our brokers show you how affordable buying real estate can be.

Commercial Real Estate Loans

When you rent workspace for your business, you’re vulnerable to rent hikes, landowner restrictions, and tenant improvement battles. When you own, you make the rules. Protect your business finances from increasing costs and let our brokers show you how affordable buying real estate can be.

Commercial Real Estate Loans

When you rent workspace for your business, you’re vulnerable to rent hikes, landowner restrictions, and tenant improvement battles. When you own, you make the rules. Protect your business finances from increasing costs and let our brokers show you how affordable buying real estate can be.

Renting commercial space means your operating costs can change based on decisions outside your control, including rent increases tied to taxes or maintenance. Purchasing property can provide more predictable long term costs, especially when financing is structured with a fixed interest rate. With a commercial real estate loan, monthly payments remain consistent over the life of the loan, and ownership may offer potential tax benefits depending on the property and use. Our brokers help compare loan structures and rates so you can evaluate whether purchasing makes financial sense for your business.

Commercial Real Estate Loans

Commercial real estate is essential for many businesses, but it’s one of the largest expenses a business can incur. That’s why even the most lucrative businesses choose to finance CRE instead of paying full price upfront. When you choose a CRE loan, you save capital to invest in high-interest-earning accounts. You may even earn more month over month than you pay in loan interest. CRE loans are structured with amortization periods that extend past the life of the loan. That means you pay less in interest each month than you would with a shorter amortization. For example, if you have a 20-year mortgage and a 30-year amortization period, you pay interest as if you had a 30-year mortgage. When you find CRE is out of reach for your business, speak with a broker to find affordable CRE financing. We’ll help you compare loans across lenders to save you time and energy bouncing from bank to bank.
STEP 1

Contact our brokers to help you land the best financing for your needs.

STEP 2

Choose your financing from a range of affordable options.

STEP 3

Position your application for success when you work with a broker.

Bridge Loans

Bridge loans fill a gap in the real estate market  when a business is acquiring a new building either to expand operations or to move in prior to selling their current property. Unlike a traditional bank loan, bridge loans can close in a matter of days rather than weeks or months, helping your business to move quickly. The loan is secured against the value of your real property such as your current or future building, and the goal is to bridge the period between selecting the property and securing a permanent loan for the building. Businesses can choose to sell or retain their prior property, based on their business plan.

A short term bridge, under two years, and preferably under 12 months is best. Our brokers can help you secure the ideal property before another bidder has the chance to snatch the deal away.

Fix & Flip

Not every business buys property in order to keep it. Fix and flip investors use short-term CRE loans to secure properties fast. When it’s time to resell, they can pay off the loan without worrying about early repayment fees. Fix and flip loans let you roll in extra funds to help handle the remodeling stage. Loan amounts are based on the ARV, or after-repair value, of the property, not its current condition. That means you can get more money upfront than you might with a typical CRE loan. To valuate the property, your lender will take into account the cost of similar properties in the area, the value of the intended repairs, and professional property appraisals. To learn more about using fix and flip loans to fund your next property renovation, speak with our brokers today. We’ll help you steer your next project in the right direction.

Investment Properties

While buying any CRE is an investment, “investment properties” are typically income-generating properties that bring in revenue month after month. That includes hotels, office space, warehouses, retail space, multi-family housing, and mixed-use properties. When you buy an investment property, you’re looking to rent space out to other businesses or individual customers. Investment properties can be very lucrative if managed properly, but the first step is buying the building. That’s where investment property loans come in. Get a loan to buy the property first. Once your tenant payments start rolling in, you can apply them toward paying down the loan. Depending on the type of property, your investment can pay for itself over time, leaving you with extra income to grow into another investment. If you have questions about financing for investment properties, speak with our brokers. We’ll show you how easy it is to get financing at an affordable rate.

Alternatives

If commercial real estate loans isn’t what you’re looking for, try:

Consolidation Loans

Consolidate multiple properties under a single portfolio loan or restructure a range of loans into a single consistent payment. The right time to consolidate is when you can get a better interest rate, lower monthly payment, or lower total cost of money. Learn more about your consolidation options at the link below.

Sale Leaseback

In a sale-leaseback, you sell your commercial real estate or equipment to a lessor who simultaneously completes a lease agreement with you. You’ll maintain use of the property included in the agreement, receiving a lump sum for the property and paying a reasonable monthly or annual fee. The new owner takes over repairs and maintenance per the lease agreement.

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Do you have questions about financing your business? With so many options, it's hard to know when you are getting clear information. We are happy to help you navigate the financing process and to provide you the information you need to step confidently forward into quality financing.