CRE Loans
CRE Loans
Lending Overview
When you lease space for your business, you are subject to rate hikes whenever it is time to renew. You might also have to deal with landowners who are not as flexible as you need them to be. On top of that, every payment you make to the landowner goes to benefit their finances, not yours. Instead, you can protect your capital from increased rates, have control over your property, and build equity when you purchase commercial real estate. Getting a long-term commercial mortgage can also save you money on monthly expenses. Short-term financing is available that can help you flip properties or onboard investment real estate without early repayment penalties. We work with a range of expert lenders to offer you the best deals on CRE financing so it is easy to find a loan that works for your business. Discover how to add value to your business affordably and gain an asset you can leverage in the future.
How to Effectively Apply Funds
Strategically leverage CRE loans to navigate the complexities of commercial property investment, ensuring optimal financial outcomes and project success with our expert guidance.
Buying your first CRE property is not the same as buying your first home. Commercial mortgages are typically shorter than residential loans and the amortization period usually exceeds the loan term. That means you pay less per month in interest, but have a balloon payment at the end of the term. Short-term CRE loans like bridge loans, hard money loans, and term loans are geared toward satisfying the needs of real estate investing. These loans cover the upfront cost of buying income-generating properties like hotels, offices, and multifamily housing. The loan can then be paid off with the revenue from the new purchase in just a few months or years, depending on the type of loan. Term loans are especially useful for fix and flip investors since they can often turn around a property in a short timeframe. Whether you are looking to build equity in your business or generate profit from real estate, our lenders have a CRE loan that can help.
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Private Loans
Many private investors offer CRE loans. Because private lenders do not have to follow the same rules and regulations as banks, they can approve financing for borrowers that banks turn down. We have built relationships with reputable private lenders willing to offer great deals, so we can pass them on to you.
SBA Loans
If you run a small business that has been turned down by banks and private lenders, you can get a loan through the Small Business Administration. The SBA offers low-interest-rate loans for CRE for terms of up to 25 years. Down payment minimums are just 10% when you borrow with the SBA.
REITs
Mortgage REITs and Hybrid REITs are real estate investment trusts that finance CRE. They earn money from the interest on commercial mortgages which they pass on to their shareholders. They can specialize in one type of property or a range of property types. Learn more about REITs when you speak with our brokers.
Advantages
Capitalize on comprehensive financing solutions tailored to your commercial real estate needs, offering a competitive edge in the market.
Manages Upfront CRE Costs
Wide Range of Loan Types
Low Down Payment Options
Fixed or Variable-Rate Loans
FAQs
Got Questions? We Got Answers!
Q. How can a commercial mortgage save me money?
When you lease property, your rent can go up every time you sign a new lease. A commercial mortgage with a fixed rate ensures your payments will not go up during the life of the loan. This protects your cash from inflation and can lower your monthly expenses. Plus, when you own the property, you are making an investment that can earn you money down the road.
Q. What do I need to qualify for a CRE loan?
Requirements vary by lender and are based on your business credit, time in business, type of loan, and type of property being purchased. To make sure you can qualify before you apply, speak with a broker who knows the ins and out of CRE loans.
Q. What is a bridge loan for CRE?
Bridge loans cover CRE costs in the short term. They are meant to help companies onboard properties quickly, while they wait for other forms of financing. When financing like commercial mortgages or the resale of the property comes through, the bridge loan can be paid off without incurring early repayment penalties.
Q. When is a CRE loan not the best option?
Buying property is a big step for any business, but it will not necessarily help a business that is struggling to recover. If your business is having trouble with debt management, we can help. We offer solutions like refinancing, consolidation, and credit repair services that will help you get back on your feet quickly.
