Commercial Real Estate for small business.
Commercial real estate financing covers the purchase, refinance, or cash-out of property used by or owned by your business — owner-occupied buildings, multifamily, retail, office, industrial, or hospitality assets.
How commercial real estate works
You apply with a property package (purchase contract or current loan docs, rent rolls if applicable), business and personal financials, and tax returns. Underwriting reviews property cash flow, your global financials, and the principal's credit. Closing happens after appraisal, title, and final docs — typically 30–60 days from a complete file.
How commercial real estate loans are structured
Your offer document includes the full cost in dollars, the rate, the total payback, and the payment schedule, all in writing, before you sign.
To apply
- Subject property package or purchase contract
- Business and personal tax returns (2–3 years)
- Personal financial statement and credit
- Property operating statements or rent roll (if income-producing)
Who commercial real estate fits
Commercial real estate financing fits operators buying their own building, refinancing an existing property loan, pulling equity out of owned real estate, or financing investment property. The property's cash flow and your business profile both drive structure.