Commercial real estate loans to buy, refinance or cash out
Buy your building, refinance a maturing note, or pull equity out of property you already own.
Commercial Real Estate overview
- Typical amount
- $250K to $10M
- Typical term
- 5 to 25 years
- Time to fund
- 30 to 60 days
Ranges are typical for this type of financing. Your amount, term and pricing depend on the lender and your business profile.
How it works
Commercial real estate financing covers owner-occupied buildings, investment property and mixed use. Owner-occupants usually get the best terms, and if you will occupy more than half the space an SBA 504 or 7(a) structure often beats a conventional loan on down payment and rate.
Investment property goes conventional or to a specialty lender, underwritten on the property's income as much as yours. Bridge loans cover value-add projects and quick closings until permanent financing is in place. Capital Ally sources bank, credit union, SBA and private lenders so the structure fits the property and the timeline.
Best for
- Buying the building you rent today
- Refinancing a balloon or a maturing loan
- Cash-out refinance to fund the business
- Acquiring rental or mixed-use property
What businesses use it for
Stop renting
Turn rent into equity in a building you control, with a fixed payment that does not rise at renewal.
Refinance
Replace a maturing note or a high-rate bridge with long-term financing.
Cash-out
Borrow against equity in property you own to fund expansion or acquisitions.
How it compares
Commercial real estate vs sba loans
For owner-occupants SBA 504 usually wins on down payment and rate. Investment property goes conventional.
Commercial real estate vs term loans
A term loan is unsecured and short. Real estate loans use the property as collateral and run decades.
Commercial Real Estate: common questions
See all questionsHow much down?
Owner-occupied SBA programs start around 10 percent. Conventional loans typically want 20 to 25 percent, and investment property sits at the higher end.
How long does closing take?
Plan on 30 to 60 days for appraisal, title, environmental review and underwriting. Bridge loans can close faster.
Can I refinance a balloon payment?
Yes. Maturing notes are one of the most common reasons owners refinance, and starting 90 days ahead keeps options open.
Other funding solutions
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