Financing for Buildings That Make Money

A commercial loan finances property that's meant to generate income rather than serve as someone's home. Office buildings, retail storefronts, warehouses, mixed-use buildings, and apartment buildings with five or more units all typically fall under commercial rather than residential financing.

Because a residential mortgage isn't built for this kind of property, commercial loans look at things a home loan doesn't: the building's actual rental income, its operating expenses, and how much cash flow is left over after the bills are paid. Down payments tend to be larger than a typical home purchase, and terms are often shorter, sometimes with a balloon payment or a refinance built into the plan down the road.

Every commercial deal is its own animal. The property type, the tenant mix, and the borrower's experience with investment property all shape which lender in our network makes sense, which is exactly the kind of matching we do before you ever fill out an application.