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Commercial Real Estate Loan

Commercial Loans

Explore Your Lending Options

Open a new storefront, invest in multi-family housing, purchase new equipment, or expand your business with more commercial properties. Commercial loans typically start at $50,000 and extend into the millions. It’s often harder to qualify for these kinds of large business loans because the stakes are so much higher.

Commercial loans are typically categorized based on repayment options and your funding goals. Overall, commercial lending is straight-forward with clear labels.

For example, short-term loans are typically repaid within 18 months, versus a term loan, which can stretch up to 30 years. Equipment loans can be used to purchase equipment or business assets. Commercial real estate loans are designated for purchasing business property.

Helpwithmyloan has a 95% loan approval rate, which is almost double the industry average. We work hard to connect you with the right lender and help you secure funding even faster. Our vetted network includes more than 300 financial partners, so you can access SBA loans, conventional commercial loans, and loans from private investors.

300+ Financial Partners

Highlight: Commercial Loan Programs

Browse competitive rates and attractive loan offers from our vetted lending partners:

Loan Amount:
$150,000 – $20,000,000

FICO:
660 Minimum

LTV:
Up to 80% LTV or 1.10x DSCR Coverage

Property Type:
Multifamily 5+ Unit or more

Rates:
Rates starting from 2.99%

Terms:
5-30 Year Fixed Terms and amortization

Contact Time:
24-48 to have a lender matched

Time to Close:
Close in 30-45 days

Loan Guidelines:

  • Full & Non-Recourse Loan Options

Loan Amount:
$100,000 – $10,000,000

FICO:
660 Minimum

LTV:

Up to 75% LTV or 1.25x DSCR Coverage

Property Type:

All Commercial Property types including Special Use & Restaurant

Rates:

Rates starting from 1.99%

Terms:

3-15 Year Fixed Terms and amortization

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30-45 days

Loan Guidelines:

  • Full Documentation with 3 years of tax returns to qualify

Loan Amount:
$50,000 – $5,000,000

FICO:
600 Minimum

LTV:

Up to 75% LTV

Property Type:

All residential property types

Rates:

Rates starting from 2.875%

Terms:

Up to 30 Year Fixed Terms and amortization

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30 days

Loan Guidelines:

  • Full Documentation and Stated Products available to suit all

Loan Amount:
$50,000 – $10,000,000

FICO:
525 Minimum

LTV:

Up to 60% LTV

Property Type:

All residential & commercial property types

Rates:

Rates starting from 7.99%

Terms:

Up to 20 Year Fixed Terms and amortization or short term Interest Only

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30 days

Loan Guidelines:

  • Equity & Credit Score based – No Income Required (business purpose loan only)

Loan Amount:
$100,000 – $10,000,000

FICO:
620 Minimum

LTV:

Up to 80% LTV

Property Type:

All Commercial Property Type – MUST BE OWNER OCCUPIED 41% OR MORE

Rates:

Rates starting from 1.99%

Terms:

5-20 Year Fixed Term – Up to 25 Year Amortization

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30 days

Loan Guidelines:

  • Full Documentation WITH 2 YEARS of Tax returns are required
  • Minimum 2 years’ time in business for operating company

Loan Amount:
$100,000 – $10,000,000

FICO:
580 Minimum

LTV:

Up to 90% LTV

Property Type:

All Commercial Property Type – MUST BE OWNER OCCUPIED 51% OR MORE

Rates:

Rates starting from 2.58%

Terms:

5-25 Year Fixed Term – Up to 25 Year Amortization

Contact Time:

24-48 to have a lender matched

Time to Close:

Close in 30 days

Loan Guidelines:

  • Full Documentation WITH 3 YEARS of Tax returns are required
  • SBA 504 & SBA 7A Loan Programs
  • Minimum 1 years’ time in business for operating company
  • Projections based deals available

Loan Breakdown

Use our loan calculator to estimate monthly payments, compare interest rate options, and calculate costs for different terms. Amortization schedules outline the total cost of principal payments and interest over time.

FAQ

What information do I need to apply for a commercial loan?

The specific lender, loan type, and amount will determine your application process. Some lenders have minimum FICO score and revenue requirements. Your credit score, collateral, tax returns, and business plan will likely be part of the conversation.

At Helpwithmyloan, you don’t have to provide any sensitive information upfront. Click here to use our loan search engine and see what options are available to you in as little as 24 hours.

What about commercial loan interest?

There is always a cost to borrowing. The good news is that loan interest is a tax-deductible business expense. We recommend shopping around to find the lowest interest rates and most favorable repayment terms. Don’t forget to ask about loan origination fees and added costs for application processing.

Are commercial loans available for any industry?

Yes – if you can demonstrate growth and meet qualification requirements, you’ll be a good candidate. Most lenders offer funding for a wide range of industries. Commercial real estate lending specifically covers multi-family commercial loans, apartment loans, and financing to open a new location or storefront.

What are non-recourse loans and carve-outs?

Non-recourse loans protect borrowers in case you have to default. ‘Bad boy’ carve-outs protect lenders against your poor conduct, including fraud, bankruptcy, and misappropriation of rent. Recently, lenders have also added carve-outs for inadequate insurance coverage. We recommend reading the carve-out clauses very carefully to understand the terms of your commercial loan.

What happens when the commercial loan matures?

When it matures, you can either pay off the loan balance, refinance for a better rate, or use it to obtain a new loan amount, including opening an equity line of credit.

Explore More Loan Types

Helpwithmyloan is a full spectrum lending platform. Looking for a different type of funding? We’ll help you search for the best loan and get approved even faster.

Residential Loans

Business Loans

Personal Loans

Still Have Questions? Let’s Talk.

We’re eager to help you find the right lending options to meet your needs. Connect with a real person for one-on-one loan advice and support. Or start by filling out our fast, free questionnaire to apply for a loan and match up with our finance partners.