Commercial Loans

Commercial loans are designed for business owners and real estate investors looking to purchase, refinance, or improve income producing properties. These loans are used for assets such as apartment buildings with five or more units, office space, retail properties, warehouses, and mixed use buildings.

Unlike residential mortgages, commercial financing is driven primarily by property performance and business strength, not personal income alone. Lenders focus on cash flow, rent rolls, expenses, and the overall viability of the property or business occupying it.

With a commercial loan, borrowers may be able to:

• Purchase, refinance, or renovate income producing properties
• Finance multifamily properties with five or more units
• Finance retail, office, industrial, or mixed use buildings
• Hold property in an LLC, corporation, or partnership structure
• Use rental income and property cash flow to support qualification
• Customize loan terms, amortization, and repayment structures

There are important considerations with commercial loans. Down payment requirements are typically higher than residential loans, and interest rates and terms vary widely depending on property type, risk profile, and market conditions. Loan terms are often shorter, with balloon payments or adjustable rates, making long term exit strategy planning essential. Documentation is more extensive and may include rent rolls, operating statements, business financials, and market analysis.

Commercial loans work best for borrowers who understand the numbers behind the property and have a clear plan for cash flow, growth, or exit. When structured properly, commercial financing can be a powerful tool for scaling a business or building long term real estate wealth.

If you are evaluating a commercial purchase or refinance, understanding how lenders analyze these deals upfront can help determine whether this type of financing aligns with your goals.

Mortgage loans are not originated on this site. All applications are processed through United Mortgage Corp (NMLS 1330). Christopher Crespo NMLS 2040756.