Commercial Real Estate Loans
Multifamily with five or more units, mixed-use, retail, office and industrial — purchase, refinance, value-add and ground-up commercial construction, arranged across bank, non-bank and private lenders. Underwritten on the property's income and the sponsor. Terms vary by lender and program, subject to qualification.
Start Pre-Qualification Speak with a Loan OriginatorCommercial Program Details
Commercial property financing in Arizona, California, Nevada, Washington, and Colorado.
Multifamily 5+
Purchase and refinance of apartment properties, underwritten on rent roll, operating history and sponsor experience.
Mixed-Use & Retail
Ground-floor commercial with residential above, neighborhood retail and owner-user buildings.
Office & Industrial
Small-bay industrial, flex, warehouse and office — stabilized or transitional.
Value-Add & Repositioning
Bridge structures that fund the business plan, then refinance into permanent financing once stabilized.
Commercial Construction
Ground-up commercial and multifamily construction with milestone draws and a planned permanent take-out.
Entity & Recourse Options
Close in your entity; recourse and guarantee requirements vary by lender and loan type.
Commercial Loan FAQ
What counts as a commercial real estate loan?
Loans secured by income-producing or business-use property: multifamily with five or more units, mixed-use buildings, retail, office, industrial and similar property types. Loans on one-to-four-unit residential rentals are typically handled under our DSCR programs instead. We arrange commercial loans through a network of bank, non-bank and private lenders; availability and terms vary by property type and are subject to qualification.
How are commercial loans underwritten?
Primarily on the property's income: net operating income, occupancy and lease quality, plus the sponsor's experience, liquidity and credit. Lenders look at debt-service coverage and loan-to-value together, and value-add or partially vacant projects are often structured as bridge loans until the property stabilizes. Exact criteria vary by lender and program.
Do you arrange commercial construction or value-add financing?
Yes. Ground-up commercial and multifamily construction, plus value-add and repositioning projects, can be structured with construction-style draws or as bridge loans, then refinanced into permanent commercial financing once stabilized. Structure depends on the project and sponsor and is subject to qualification.
Can I close a commercial loan in my LLC or partnership?
Yes — commercial loans are commonly closed in an entity, and many lenders require it. Personal guarantees from principals are common on smaller and transitional loans; some stabilized loans are offered non-recourse. Requirements vary by lender and program.
What documents does a commercial loan application typically require?
A rent roll and trailing operating statements for the property, a purchase contract or payoff statement, a sponsor summary with experience and a schedule of real estate owned, entity documents, and for construction or value-add projects a budget, plans and timeline. We tell you exactly what a given lender needs once we match the deal to a program.