Commercial Real Estate Financing — Own Your Business Property
Purchase, refinance, or renovate commercial property with financing from $100,000 to $50 million. Multiple loan programs including SBA 504 with as little as 10% down. Rates from 5.25%.
Commercial Real Estate Loan Programs
Conventional CRE Loan
Traditional commercial mortgages from banks and credit unions. Best rates for strong borrowers with 20%+ down.
Best for: Established businesses with strong financials
SBA 504 Loan
Government-backed loans specifically for owner-occupied commercial real estate. As little as 10% down.
Best for: Owner-occupied properties, 10% down payment
SBA 7(a) Real Estate
Flexible SBA loans that can be used for property purchase, renovation, or refinancing.
Best for: Businesses needing flexibility in property use
Bridge / Hard Money
Short-term financing for time-sensitive acquisitions, property rehab, or bridge-to-permanent financing.
Best for: Quick closings, renovation projects, value-add
CMBS Loans
Commercial mortgage-backed securities for larger stabilized properties with strong NOI.
Best for: Larger properties with stable cash flow
Property Types We Finance
Why Own Your Commercial Property?
Build Equity
Every mortgage payment builds ownership equity. Over time, your property becomes a significant business asset.
Fixed Costs
Lock in your occupancy costs with a fixed-rate mortgage. No rent increases, no lease renegotiations.
Tax Benefits
Deduct mortgage interest, property taxes, depreciation, and maintenance. Significant tax advantages over leasing.
Asset Appreciation
Commercial real estate historically appreciates 3-5% annually. Build wealth beyond your core business operations.
Business Stability
No risk of losing your location due to landlord decisions, lease expirations, or rent hikes. Permanent operational stability.
Rental Income
Lease unused space to other tenants. Generate additional revenue that helps cover your mortgage payment.
Commercial Real Estate FAQ
What down payment is required?
Conventional CRE loans typically require 20-25% down. SBA 504 loans require only 10% down for owner-occupied properties. Bridge/hard money lenders look at 25-35% equity.
Do I need to occupy the property?
Not always. SBA loans require at least 51% owner-occupancy. Conventional and CMBS loans can finance investment properties with no occupancy requirement. Bridge loans have no occupancy restrictions.
How long does CRE financing take?
Conventional: 30-60 days. SBA 504: 60-90 days. SBA 7(a): 30-60 days. Bridge/Hard Money: 7-21 days. CMBS: 45-90 days. TrustScore's lender relationships help accelerate timelines.
What documents are needed?
Typically: 2-3 years of tax returns (personal and business), current financials, rent roll (if applicable), property appraisal, environmental reports, personal financial statement, and business plan for new purchases.
Can I refinance my existing commercial property?
Yes. Refinancing is one of our most popular CRE services. Lower your rate, extend your term, pull out equity for business growth, or consolidate multiple property loans.
Ready to Own Your Business Property?
Free CRE consultation. Multiple loan options. Expert guidance.
Get StartedCommercial real estate financing is subject to credit approval, property appraisal, and underwriting. Rates, terms, and LTV ratios vary by property type, borrower qualifications, and loan program. TrustScore Business Funding connects businesses with CRE lenders and is not a direct lender. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.