Commercial • Multifamily • Income-Producing
Commercial Conventional Financing
Conventional commercial loans are a common financing option for investors and businesses purchasing income-producing properties. These loans are not backed by government programs and instead follow guidelines set by private lenders and institutions.
Finance office buildings, retail centers, industrial properties, or multifamily housing with five or more units. Flexible terms and competitive interest rates for qualified borrowers.
Apply NowKey Benefits
Competitive Interest Rates – Often lower rates for borrowers with strong credit and solid business financials
Flexible Loan Terms – Terms typically range from 5 to 20 years, with amortization up to 25–30 years
Low Down Payment Options – As little as 15%–25% down for qualified borrowers, depending on the property type
No Government Guarantees – Streamlined approval process without government restrictions
Equity Build-Up – Principal reduction over time can increase ownership and value
Qualification Requirements
Requirements vary by lender, but most conventional commercial loans consider:
Strong credit improves terms
Profit history required
Income-to-debt coverage ratio
Higher for riskier property types
Prior commercial RE experience
Who is it Best For?
Investors with solid credit and financials
Businesses or individuals seeking to purchase or refinance income-producing properties
Borrowers looking to avoid government-backed loan restrictions
Owners expanding their commercial real estate portfolios
Commercial Loan Options
Fixed-Rate Commercial Loans
Predictable payments over the term of the loan.
Adjustable-Rate Commercial Loans
Lower initial rates that may adjust based on market indices.
Conforming Commercial Loans
Meet lender-specific loan limits for certain property types.
Jumbo / Large Balance Loans
For higher-value properties exceeding standard limits.
Why Choose Conventional?
Conventional commercial loans provide flexibility, competitive rates, and fewer restrictions compared to government-backed programs. For qualified investors and businesses, they can be an efficient path to acquiring, refinancing, or expanding commercial property holdings.
Send us your deal and our team will provide a quote within 24-72 hours. No obligation, no credit pull.
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