About Commercial Real Estate Loan

Commercial real estate (CRE) is income-producing property used solely for business (rather than residential) purposes. Examples include retail malls, shopping centers, office buildings and complexes, and hotels. Financing—including the acquisition, development and construction of these properties—is typically accomplished through commercial real estate loans: mortgages secured by liens on the commercial property.

Key takeaways

A commercial real estate loan is a mortgage secured by a lien on commercial property as opposed to residential property.

A CRE loan is a mortgage secured by a lien on a commercial property.

CRE loans are generally made to investors such as corporations or organizations that own and operate commercial real estate.

CRE loans are offered by banks, independent lenders, insurance companies, pension funds, private investors, and other capital sources, such as the U.S. Small Business Administration’s 504 Loan Program.

Lenders consider the nature of the collateral (the property being purchased), the creditworthiness of the borrower, and financial ratios when evaluating commercial real estate loans.

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Types of Commercial Real Estate (CRE) Loans

Here are the most common types of CRE loans:

Permanent Loans

Permanent Loans are first mortgages on a commercial property. A permanent loan must have some amortization and a term of at least five years written into the contract.

SBA Loans

SBA Loans are written by traditional and non-traditional lenders but are guaranteed by the SBA. There are several different SBA loans that cater to different types of borrowers, the most popular being the 7(a) loan.

Consolidate debt and simplify

Bridge Loans provide a short-term first mortgage loan on a commercial property typically with a six-month to three-year term. Bridge loans are typically obtained when a borrower is waiting for longer-term financing or attempting to refinance an existing obligation.

Commercial Real Estate Loan - Eligibility

If you need a loan to buy a property, then you should start taking the steps necessary to get approved for a commercial real estate loan, such as an SBA CDC 504 loan or an SBA 7(a) commercial real estate loan. Here are some tips to help guide you through the process.

Know Your Credit Score

If you want to qualify for commercial real estate loans with no down payment, then you should fall safely within the highest business credit score bracket

Overall time in business

Debt-to-income ratio
Annual revenues

Value of collateral assets

Frequently Ask Questions

Commercial Real Estate Loan is available for various terms depending on the loan options.

Commercial Real Estate Loans are available for both variable and fixed rates

If you have the required documentation, credit score, and are financially prepared for the commitment of buying a home you should apply today to learn how close you are to owning a home!

Apply for a free prequalification and your loan officer can let you know the limits in your area.

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Now apply for a Commercial Real Estate Loan online, All you need to do is provide your details below application form.

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