- Amount
- $250,000 – $15 million
- Term
- 10 – 25 years, fully amortising
- Speed
- Weeks rather than days
Commercial property financing is the longest-dated facility on this list, and the most closely underwritten. In exchange, it carries the lowest cost of capital and a payment that stays put for the life of the loan.
A fully amortising structure matters more than most borrowers expect: it removes the refinancing cliff that a balloon payment creates, which is where a good property deal most often goes wrong. Underwriting looks at the property, its income, its condition and its occupancy, alongside the operating business behind it.
Commonly used for
- Buying the building your business occupies
- Refinancing an existing mortgage away from a balloon
- Funding improvements or expansion of owned property
- Consolidating property debt into a longer term
What it generally takes to qualify
- At least one year in business
- Around $15,000 or more in monthly revenue
- A credit score of roughly 500 or better
Guidelines, not hard cut-offs — tell us the situation and we will tell you where it stands.
Questions
What documentation is needed?
Expect property details and current use, an appraisal, any existing title work, business financial statements and detail on existing debt and liens.
How long does closing take?
Weeks, not days. Appraisal, title and environmental review set the pace, and starting those early is the single best way to shorten the timeline.
Is investment property eligible?
Owner-occupied property is the most straightforward. Investment property can be considered but is underwritten differently — describe the property and its use on your inquiry.
Related products
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