Commercial Real Estate Loans: Financing for Investment Properties and Business Expansion
Flexible Financing Solutions for Office Buildings, Retail Spaces, and Commercial Investments
Financing Solutions for Commercial Property Investors
Commercial real estate loans (CRE loans) are specialized financing products designed to help investors, business owners, and developers acquire, refinance, or renovate commercial properties. These loans are used for a variety of property types, including office buildings, retail spaces, industrial properties, and mixed-use developments.
At Lender Capital Group, we offer flexible commercial real estate loan options tailored to meet the specific needs of property investors and businesses. Whether you’re purchasing a new office space, expanding your business, or investing in commercial real estate, our CRE loans provide the capital you need to grow your business and increase your property portfolio.
Service List
- Hard Money Loans
- Multifamily Property Loans
- FHA Loans
- Hospitality Industry Financing
- Office Building Mortgages
- Bridge Loans
- Industrial Property Loans
- Jumbo Loans
- VA Loans
- Commercial Real Estate Loans
- Construction Loans
- Special Purpose Property Loans
- Conventional Loans
- Residential Mortgage Loans
- Retail Property Loans
- HELOC
- Industrial Property Financing
Why Choose a Commercial Real Estate Loan?
Financing for Commercial Properties
CRE loans provide financing for a wide range of property types, including office buildings, retail centers, industrial properties, and more. This makes them ideal for investors and business owners looking to expand their commercial footprint.
Higher Loan Amounts
Commercial properties often require larger loan amounts than residential properties, and CRE loans are designed to provide the capital needed for large-scale investments and business expansions.
Competitive Interest Rates
Our commercial real estate loans offer competitive interest rates, helping you keep borrowing costs low and maximize your return on investment.
Flexible Loan Terms
We offer flexible loan terms and repayment options that can be tailored to the needs of your business or investment strategy, whether you’re acquiring a new property or refinancing an existing one.
Income-Producing Properties
Commercial properties often generate rental income, which can be used to offset loan payments and improve cash flow. This makes CRE loans a valuable tool for investors looking to build wealth through real estate.
Commercial Real Estate Loan Qualifications
To qualify for a commercial real estate loan, you’ll need to meet the following criteria:
Property Type
CRE loans are used to finance commercial properties such as office buildings, retail spaces, warehouses, industrial facilities, and mixed-use developments.
Debt Service Coverage Ratio (DSCR)
Most lenders require a DSCR of 1.25 or higher, meaning the property must generate enough income to cover the loan payments and operating expenses.
Credit Score
A credit score of 680 or higher is typically required for CRE loans. However, lenders may offer better terms to borrowers with higher credit scores.
Down Payment
CRE loans generally require a down payment of 20% to 30%, depending on the size and value of the property.
Experience
Lenders prefer borrowers with experience managing or investing in commercial properties, as this reduces the risk associated with the loan.
Multifamily Property Loan Process: Step-by-Step
01.
Pre-Approval and Application
Start by submitting an application for a commercial real estate loan. We’ll review your financials, including your credit score, income, and experience as a property investor or business owner. You’ll also need to provide details about the property’s income and expenses.
02.
Property Appraisal and Income Verification
An appraisal will be conducted to assess the market value of the commercial property. We’ll also verify the property’s income potential, rental rates, and occupancy to ensure it meets the lender’s criteria.
03.
Loan Approval and Funding
Once your loan is approved, the funds will be disbursed to finance the purchase, refinance, or renovation of the property. This process can be quicker than traditional loans, especially for experienced investors.
04.
Repayment and Property Management
CRE loans are typically repaid through monthly mortgage payments, which are offset by the rental income generated by the property. Maintaining high occupancy and generating consistent rental income is essential to covering loan payments and maximizing cash flow.
Benefits of Commercial Real Estate Loans with Lender Capital Group
- Tailored Loan Solutions: We offer customized loan solutions for commercial property acquisitions, refinancing, and renovations, ensuring that you get the capital you need for your business or investment.
- Competitive Rates: Our CRE loans come with competitive interest rates, helping you minimize borrowing costs and maximize your returns.
- Flexible Loan Terms: We provide flexible loan terms and repayment options to meet the unique needs of your commercial real estate project.
- Income-Producing Properties: Commercial properties generate rental income, offering a steady cash flow that can be used to cover loan payments and boost profitability.
Don't Hesiate To Contact Us
Looking to invest in commercial real estate or expand your business? Contact Lender Capital Group today to learn more about our flexible commercial real estate loan options and get the financing you need to achieve your business goals.