Flexible financing solutions for business owners and real estate investors across the USA and Canada—structured to support acquisitions, refinancing, construction, and long-term growth strategies.
Commercial loans are financing solutions designed to purchase, refinance, or improve income-producing and business-use real estate. In some cases, they also support specialized commercial assets and property-related business objectives.
Unlike traditional residential mortgages, commercial financing is evaluated using a combination of financial, property, and deal-specific factors, including:
Property fundamentals: market value, income potential, occupancy levels, and physical condition
Borrower profile: credit strength, liquidity, net worth, and industry experience
Deal structure: equity contribution, loan term, amortization, collateral, and exit strategy
Because commercial properties and business goals vary widely, these loans are typically custom-structured, with terms and pricing adjusted based on risk, property type, and long-term strategy.
Commercial loans are commonly used by a wide range of businesses and investors, including:
Owner-occupied businesses such as medical practices, automotive facilities, warehouses, professional offices, and retail operators seeking long-term control and stability
Real estate investors acquiring or refinancing income-producing properties
Developers funding construction, renovations, or value-add repositioning projects
Business owners consolidating locations, improving cash flow through refinancing, or accessing equity for expansion
Common property types include:
Office buildings, retail centers, industrial facilities, mixed-use properties, multifamily (5+ units), self-storage, hospitality assets, and select special-purpose properties (program-dependent).
Financing for businesses buying or refinancing their own property, featuring longer terms, competitive rates, and stable underwriting for established operations.
Loans structured for income-producing properties, with underwriting focused on cash flow, DSCR, rent roll quality, operating expenses, and overall market stability.
Government-backed programs supporting acquisitions and expansion, with 7(a) offering flexibility and 504 providing long-term fixed rates for owner-occupied real estate and equipment.
Short-term funding designed for quick closings, renovations, occupancy stabilization, or property repositioning before refinancing into permanent long-term commercial loan structures.
Financing for ground-up construction and major renovations, typically featuring interest-only periods, draw schedules, and milestone-based funding aligned with project timelines.
Loan options for properties combining residential and commercial uses or specialized assets, with eligibility based on income composition, use case, and lender guidelines.
Programs that improve loan terms, reduce payments, consolidate existing debt, or access built-up property equity to support long-term business growth and strategic reinvestment.
Loan programs tailored for medical and healthcare facilities, recognizing operational stability, specialized property use, and consistent long-term demand within the healthcare sector.
Alternative documentation loans for self-employed borrowers or investors, emphasizing asset strength, liquidity, and overall risk profile instead of traditional income verification.
Specialized financing for hospitality properties, evaluated based on brand strength, management experience, historical performance, and local market demand.
Investor-focused loans qualifying primarily on property cash flow rather than personal income, using DSCR metrics to streamline approval for income-producing assets.