Secure funding for property deals
Commercial Mortgage Loans
Property financing for business growth
Financing for Commercial Property Acquisition
Commercial mortgage loans are long-term financing solutions used to purchase, refinance, or renovate income-generating properties such as office buildings, retail centers, warehouses, or multifamily units. These loans are typically secured by the real estate itself and are available to investors, developers, and business owners looking to acquire or improve commercial property.
Whether you’re buying your first investment property or refinancing an existing asset for better terms, commercial mortgages offer flexibility in loan structure, amortization periods, and interest rates. They can support a range of property types and deal sizes, helping you preserve working capital while expanding your real estate portfolio.
Property financing for business growth
What are 30-Year Commercial Mortgages
A 30-year commercial mortgage is a long-term loan for purchasing, refinancing, or refurbishing properties used for business purposes. It’s similar to a residential mortgage but is secured by the commercial property itself.
Key Characteristics
Offers borrowers the advantage of lower monthly payments compared to shorter-term loans due to the extended repayment period.
Borrowers can choose between fixed rates that remain constant or variable rates that fluctuate with market conditions.
Provides stability and ease of financial planning with a fixed repayment schedule.
With a fixed rate, the real cost of the mortgage can decrease over time as inflation rises
While 30-year terms are standard in residential real estate, commercial loans usually range from 5 to 25 years, though some lenders do offer 30-year options.
Important Considerations
Commercial lenders focus on the property’s income potential and the borrower’s financial health, not just the debt-to-income ratio.
Commercial loans typically require a larger down payment compared to residential mortgages.
Commercial loans often have longer amortization periods than their terms, leading to smaller monthly payments and a balloon payment at the end.
With a fixed rate, the real cost of the mortgage can decrease over time as inflation rises
Benefits of 30-Year Fixed Commercial Mortgages
Fixed monthly payments provide a predictable financial roadmap for the business.
Allows businesses to allocate capital to other areas or investments due to lower monthly payments.
A fixed rate helps secure the cost of the loan against inflation.
A 30-year commercial mortgage offers long-term stability but is less common, so it’s important to compare lender terms carefully before deciding.
Loan features at a glance
Compare Options
| Full Documentation | Lite Doc Investor | No Doc Streamline | Commercial Bank Statement | |
| Loan Type | Investor Owner-Occupied | Investor Only | Investor Owner-Occupied | Owner-Occupied Only |
| Loan Size | $100K – $2M | $100K – $2M | $100K – $2M | $100K – $2M |
| Loan Terms | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM |
| Amortization | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 |
| Loan Purpose | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance |
| Max LTV | Purchase: 80% Refinance: 75% | Purchase: 80% Refinance: 75% | Purchase: 75% Refinance: 70% | Purchase: 80% Refinance: 75% |
| Min FICO | 650 | 650 | 700 | 650 |
| Min DSCR | Inv: 1.15x O-O: 1.2x Global | 1.15x | 1.00x | 1.20x Global |
| Prepayment Fee | 5% for 10, 7, 5, or 3 years | Declining 5%, 4%, 3%, 2%, 1% | |||
| Income Docs | 2 years personal and biz tax returns | No tax returns | None required | 12 consecutive months of biz bank statements |
| Borrower Type | Individual or Business Entity | Individual or Business Entity | Individual or Business Entity | Individual or Business Entity |
Loan features at a glance
Compare Options
| Full Documentation | Lite Doc Investor | No Doc Streamline | Commercial Bank Statement | |
|---|---|---|---|---|
| Loan Type | Investor Owner-Occupied | Investor Only | Investor Owner-Occupied | Owner-Occupied Only |
| Loan Size | $100K – $2M | $100K – $2M | $100K – $2M | $100K – $2M |
| Loan Terms | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM | 30-Year Fixed 5-Year ARM |
| Amortization | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 |
| Loan Purpose | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance |
| Max LTV | Purchase: 80% Refinance: 75% | Purchase: 80% Refinance: 75% | Purchase: 75% Refinance: 70% | Purchase: 80% Refinance: 75% |
| Min FICO | 650 | 650 | 700 | 650 |
| Min DSCR | Inv: 1.15x O-O: 1.2x Global | 1.15x | 1.00x | 1.20x Global |
| Prepayment Fee | 5% for 10, 7, 5, or 3 years | Declining 5%, 4%, 3%, 2%, 1% | |||
| Income Docs | 2 years personal and biz tax returns | No tax returns | None required | 12 consecutive months of biz bank statements |
| Borrower Type | Individual or Business Entity | Individual or Business Entity | Individual or Business Entity | Individual or Business Entity |