💼 Commercial Real Estate Loans

Commercial
Financing Without
the Bank Runaround.

Mixed-use, multifamily 5+ units, retail, office, and light industrial — we connect you with lenders who finance commercial properties based on the asset's performance, not your personal balance sheet.

Discuss Your Commercial Deal Property Types We Finance
Commercial Real Estate
Up to $25M+ Loan Size
Commercial Loan Highlights
$25M+
Max Loan Size
DSCR
Income-Based Approval
30yr
Max Term
IO
Interest Only Available
LLC
Entity Closings
Property Types

What We Finance

If the property produces income and the deal makes sense — there is a lender for it.

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Multifamily 5+ Units

Apartment buildings, garden-style complexes, and large multifamily portfolios beyond the residential 1–4 unit threshold. Qualifying based on property net operating income.

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Mixed-Use Buildings

Properties combining retail, office, or commercial space on the ground floor with residential units above. Popular in urban and downtown corridors across South Florida.

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Retail & Strip Centers

Single-tenant NNN, multi-tenant strip malls, and anchored retail centers with stable lease income. Strong fundamentals with long-term tenant leases supported.

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Office Properties

Professional office buildings and medical office properties with established tenants and lease histories. We work with both traditional and flex-office configurations.

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Light Industrial

Warehouses, flex space, and light manufacturing properties. Industrial is in high demand across Florida with strong fundamentals and growing tenant demand.

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Special Purpose

Self-storage, car washes, gas stations, and other income-producing commercial properties. Reviewed on a case-by-case basis with lenders who specialize in these asset types.

Program Details

Commercial Loan Terms

Asset-Based Underwriting

Traditional banks want full business financials, personal guarantees, and months of committee reviews. The commercial lending space we work in offers a better path — lenders who understand commercial real estate and underwrite based on the property's income-producing ability and your experience as an operator.

If the property generates income and the deal fundamentals are solid, we will find the right lender and structure for your situation.

Discuss My Commercial Deal
Loan Amounts$250,000 – $25,000,000+
Qualification BasisProperty Income (DSCR)
Rate OptionsFixed & Adjustable Rates
Loan Terms5 – 30 Years
Interest OnlyAvailable During Stabilization
Loan PurposePurchase, Refinance, Cash-Out
Entity ClosingLLC, LP, Corporation, Trust
Common Questions

Commercial Loan FAQs

When does a property become "commercial"?
Properties with 5 or more residential units, any retail, office, industrial, or mixed-use property fall under commercial lending guidelines. Once you move beyond 4 units, residential lenders step aside and commercial lenders take over.
What is the typical down payment on commercial properties?
Most commercial programs require 20–35% down depending on property type, borrower experience, and loan program. Some value-add deals with strong upside may have different structures. We will outline options specific to your deal.
How long does commercial financing take?
Commercial loans typically take 30–60 days from application to close, though bridge-style commercial products can move faster. Timeline depends on property complexity, appraisal, and environmental requirements.
Do I need to personally guarantee the loan?
Personal guarantees are common in commercial lending but not always required. Non-recourse options exist for certain property types and loan structures. We will identify the right program for your situation and risk tolerance.

Have a Commercial Deal?
Let's Talk.

Commercial deals are unique. We'll review your property, your numbers, and match you with the right lender and structure for your situation.

Discuss My Commercial Deal