Commercial Real Estate
Financing Solutions
SBA loans, multi-family financing, construction loans, and conventional CRE mortgages for California businesses and investors.
Commercial Loan Programs
Financing solutions for every commercial property need
SBA 7(a) Loans
Prime + 2.25%
Government-backed loans for small business real estate and working capital.
SBA 504 Loans
Below market
Fixed-rate financing for major real estate and equipment purchases.
Conventional CRE
From 7%
Traditional commercial mortgages for all property types.
Construction Loans
From 8%
Ground-up construction and major renovation financing.
Commercial Loan FAQs
What is the difference between SBA 7(a) and SBA 504 loans?
SBA 7(a) loans offer up to $5M for various business purposes including real estate, equipment, and working capital. SBA 504 loans offer up to $5.5M specifically for real estate and major equipment, with lower down payments (10%) and fixed rates on the CDC portion.
What down payment is required for commercial real estate loans?
Commercial loans typically require 25-30% down for investor-owned properties. Owner-occupied commercial properties may qualify for 10-20% down with SBA programs. Construction loans often require 20-30% equity.
How long does it take to close a commercial mortgage?
Commercial loans typically take 30-60 days to close due to more complex underwriting, property appraisals, and environmental assessments. SBA loans may take 60-90 days. Bridge loans can close in 2-4 weeks.
What types of commercial properties can I finance?
LendyWendy matches you with lenders for all commercial property types: office buildings, retail centers, multi-family (5+ units), industrial/warehouse, mixed-use properties, hotels, self-storage, and special-purpose buildings.
Ready to Finance Your Commercial Property?
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