Commercial Real Estate SBA Loans

Conventional commercial loans are non-government-backed mortgages offered by banks, credit unions, and private lenders. They’re ideal for borrowers with strong credit, consistent financials, and a desire for flexibility in their financing options.

• Wide Property Eligibility: Finance office buildings, retail spaces, multi-family properties, warehouses, and more.
• Competitive Rates and Terms: Enjoy fixed or adjustable-rate options with customizable repayment periods.
• No Prepayment Penalties (on select loans): Pay off your loan early without added costs.
• Streamlined Approval: For borrowers with strong financials, conventional loans often have faster approval times than government-backed loans.

1. Down Payment: Typically 20-30% for purchase or refinance.
2. Loan Terms: Options range from short-term (5 years) to long-term (20-25 years).
3. Credit Requirements: Minimum credit score requirements vary but usually start at 660-680.
4. Interest Rates: Fixed and adjustable-rate options available, depending on the lender and borrower profile.
5. Property Types: Includes multi-family, industrial, retail, office, and mixed-use properties.

• Business owners looking to expand or relocate.
• Real estate investors seeking financing for income-generating properties.
• Entrepreneurs wanting to refinance or consolidate existing loans for better terms.