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Get More from Every Square Foot with Commercial Real Estate Loans

Access capital secured by commercial real estate to capture your biggest business opportunities.

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Commercial Real Estate Loan Overview

$250K-$6M

Loan Amounts Available

Only up to 36 Months

Interest

Tailored Support

CRE Lending Expert Standing By

financing

What is a Commercial Real Estate Loan?

If you're thinking of buying, revamping, or even expanding a piece of property for business, you should explore commercial real estate loans. These loans are backed by the property itself, not just your credit score. In simple words, your property becomes collateral for your funding, and you would not have to solely rely on your credit score to get access to the capital. You can use them to purchase office buildings, warehouses, storefronts, or even large multi-unit rentals. Terms may vary depending on the lender, but most come with fixed or variable interest and multi-year repayment timelines.

Biz2Credit is one of the trusted provider across the country when it comes to funding through commercial real estate (CRE) loans. We work with our customers to ensure they get the best value from their property to support their business goals.

Why Choose Biz2Credit's CRE Loan?

Tap into interest-only financing, with funding based on your commercial property's equity and your business cash flow.

We offer terms* from 5 to 20 years to give you flexible payment options so that you can chase your goals without the pressure.

*Terms vary depending on qualifications

Why Businesses Count on
Commercial Real Estate Loans

Running a business isn't just about space. It's about control, stability, and growth. That's why so many businesses choose commercial real estate loans from Biz2Credit. Here's what makes them worth considering:

  • Build Equity Over Time
  • Gain Long-Term Stability
  • Improve Cash Flow with Rental Income
  • Customize Your Space, Your Way
  • Boost Your Business Credit Profile
  • Hedge Against Market Rent Increases

Renting or leasing a property tend to drain cash. But owning it can be an investment. Every payment on your commercial real estate loan builds equity in a property that could appreciate in value. It's not just space. It's an asset that grows with your business.

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Lease hikes? Relocation stress? Gone. When you buy, you lock in a space. It means no surprises year to year. With commercial real estate loans, you get predictable monthly payments, no last-minute moving headaches.

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Got extra space? Lease it. Whether it's a spare office or a retail front, commercial real estate lets you turn square footage into a second income stream. That rental income could even offset your monthly loan payment.

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Tired of asking landlords for permission? Own the space, and do what you want with it. From design choices to layout changes, commercial real estate loans let you create the environment your business actually needs.

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Successfully managing a commercial loan shows lenders you're solid. Over time, that can help you access even more capital, with better terms. It's a strategic move that opens doors.

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Rent isn't getting cheaper. Locking in a purchase with a fixed-rate loan means you don't have to worry about rent jumping 10% next year. Your costs stay steady, even if the market gets wild.

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Is CRE Loan Right for Your Business?

To get started with CRE Loan
Biz2credit Requires:

  • $250,000 or more

    Annual Revenue

  • 650+

    Credit Score

  • At least 18 months

    Time in Business Operations

  • Already have equity

    in Commercial Property

What You Need to Apply for a
Commercial Real Estate Loan

Getting approved for commercial real estate loans isn't just about wanting the money. You'll need to show you're ready.
Here is what Biz2Credit looks for:

Business Financial Statements

Ensure your income statements, balance sheets, and cash flow reports from the past 1-2 years are in proper order.

A Minimum of 650 Credit Score

Both your personal and business credit scores may be checked to assess your repayment history and risk profile. We consider applications with credit scores of 650 and above.

Business Plan with Property Details

If you're purchasing or renovating a space, show what for. Lenders want to understand how the property fits into your bigger business goals.

At Least 18 Months in Operation 

Your business should have substantial operational history. Biz2Credit accepts applicants with at least 18 months in operation. This track record proves your staying power and gives confidence that your revenue pattern is reliable. Longer tenure often improves odds of positive funding decision.

Property Appraisal

The building you're eyeing or willing to put as collateral will need a formal appraisal. That ensures the loan amount makes sense based on the real value of the space.

Proof of Legal Business Entity

A basic but necessary requirement is the articles of incorporation, partnership docs, or an LLC certificate which will help prove your business is legit.

What Can You Do with a Commercial Real Estate Loan?

There's a lot more flexibility to CRE loans than people think.
Here's how you can put one to work:

financing

How Does a Commercial Real Estate Loan Work?

Commercial real estate loans work a lot like traditional mortgages, but they're built for business needs, and secured by commercial, not residential real estate. You apply through a lender, who looks at your credit, business finances, and the value of the property.

If approved, you'll get funds to buy, renovate, or refinance a building. The property itself acts as collateral.

CRE Loan Articles

FROM THE KNOWLEDGE CENTER*

*This information is provided for general information only , does not constitute financial advice, and does not necessarily describe Biz2Credit commercial financing products.

Frequently Asked Questions

Why choose revenue-based financing over traditional loans?

There are plenty of benefits of using revenue-based financing for raising capital compared to traditional loans. There is flexibility in repayment as funding is dependent upon the company's revenue. So, if a business performs better, the repayment rate increases but if the performance is down, then the repayment amount would be low too. Moreover, the approval and funding processes of revenue-based financing is typically quicker than other types of financing. And unlike traditional loans, revenue-based financing usually doesn't usually need personal guarantees or collateral. And there is no need for equity dilution. All these and more make revenue-based financing a popular option with small businesses.

How does revenue-based financing impact my credit?

Revenue-based financing can have several impacts on your credit. Since this funding is intertwined with your business's revenue, and not personal credit, it won't affect your personal credit score. But in case of defaults, your business's credit profile will take the brunt of it. So, make sure you do timely payments.

What happens if my sales drop and I can't make a payment?

Since revenue-based financing is tied to your business revenue, it means payments are adjusted based on the revenue that your business brings in. With this type of financing, if your sales drop the amount of your payment will be adjusted to reflect the change in revenue. These revenue-based payments can help you navigate those slow months of sales. However, in revenue-based financing you are still responsible for maintaining the operation of your business and making all efforts to continue making payments.

What types of businesses benefit most from revenue-based financing?

A lot of businesses prefer opting for revenue-based financing because of its flexible repayment structure and the fact that it is not based on equity. But this type of financing is best suited for businesses with fluctuating revenues. These can include seasonal businesses, e-commerce, SaaS, subscription-based businesses or startups.

What happens if my revenue fluctuates?

This is where the flexible repayment structure of revenue-based financing comes in. Revenue-Based Financing agreements (Receivables Sale Agreements or RSAs) are repaid from an agreed percentage of your business receipts (Receivables) - and only from your business Receivables - until the agreed sale price (Amount Sold) is reached. You also have a right of true-up/reconciliation to ensure that payments are made only from Receivables. In case your revenues change, and if revenue drops and can be demonstrated to be lower, the amount of payment you will make will then adjust accordingly.

Term Loans are made by Itria Ventures LLC or Cross River Bank, Member FDIC. This is not a deposit product. California residents: Itria Ventures LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law License # 60DBO-35839

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