Finance, refinance or renovate commercial property with a loan built for your project. Compare commercial real estate loan offers from multiple lenders.
Check My Eligibility →Commercial real estate (CRE) loans fund the purchase, refinance or construction of commercial property — office, retail, industrial, multifamily and mixed-use. Terms, rates and structures vary widely, from bank mortgages to SBA 504 loans, bridge loans and hard-money financing.
A typical commercial mortgage runs 5 to 25 years with amortization up to 30 years, funded up to 75% to 80% of the property value. Through BidMyCapital you can compare CRE financing options from multiple lenders.
Office, retail, industrial, multifamily or mixed-use each have tailored products.
Bank mortgages, SBA 504, bridge loans or hard-money for shorter timelines.
Draw the loan, make payments, and refinance or sell when the property performs.
Rates for commercial mortgages typically range from roughly 5.5% to 12% depending on property type, leverage, credit and term. Bridge and hard-money loans run higher for speed and flexibility. SBA 504 loans offer long-term fixed-rate financing with lower down payments.
Most lenders fund up to 75% to 80% of the appraised value.
Net operating income should comfortably cover the debt payments.
Typically 20% to 25% of the purchase price.
Strong credit and property management history are preferred.
Typically 20% to 25% down. SBA 504 financing can reduce the owner-occupier contribution to as little as 10%.
A short-term loan that funds construction draws as the project progresses, usually converting to permanent financing when construction completes.
Yes. Refinancing is a core CRE loan use — often to pull out equity, lower rates or extend terms.
A long-term, fixed-rate loan for owner-occupied commercial property, with terms up to 25 years and lower down payments than conventional financing.
A short-term loan (6 to 24 months) used to buy or stabilize a property quickly, often while arranging long-term permanent financing.