Commercial Real Estate Loan

Overview

Commercial real estate (CRE) loans finance non-residential income property — office buildings, retail centers, industrial warehouses, mixed-use, self-storage, and more. Compared to residential mortgages, CRE loans are underwritten more on the property's net operating income and the deal's debt service coverage than on the borrower's personal income.

Loan structures vary widely: bank balance sheet, CMBS, life company, debt fund, and private lenders each have their lane. The right pairing depends on the asset class, the size of the loan, the term you want, and how stabilized the property is.

Who it's for

Investors buying or refinancing income-producing commercial property
Owner-operators using their own building (when SBA isn't the right fit)
Sponsors raising capital for value-add or repositioning plays
Family offices and private investors deploying into CRE

What's typically reviewed

Property NOI and DSCR
Borrower experience and net worth
Sponsor liquidity and reserves
Property condition and lease-up status
Market and submarket fundamentals

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

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