Clear-Cut CRE loans to fund
big projects

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

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Commercial Real Estate Loan Overview

Average Loan amount:

$250K – $6M

*Based on all CRE loan transactions January 2023 - December 2023

Interest-Only up to 36 Mos.

*Terms vary depending on qualifications

CRE Lending Experts Standing By

Learn about our CRE loans.

Leverage your commercial real estate equity to seize business opportunitites today. Designed for businesses making bold moves.

Commercial real estate CRE (commercial real estate-secured) loans make it easy to reinvest your
capital in your next business opportunity.

Some popular reasons to seek CRE loans are:

CRE Loans That Give You Flexibility

Get interest-only financing and funding amounts based on your CRE equity and business cash flow to provide the freedom you need to meet your goals.
Terms ranging from 12 to 36 months offer a flexible payment structure.

*Terms vary depending on qualifications

Is a CRE loan right for your business?

Most customers get started with:

  • annualRevenue

    Annual Revenue
    Greater than $250K

  • credtScore

    650 Credit
    Score or Above

  • property

    Already have equity in Commercial
    Property

  • monthlyBusiness

    At least 18 Months in Business

From One Entrepreneur to Another: We Get You

We understand what’s behind building a business you believe in.

customer

" We had always dreamt of having a banquet hall, and it came true after the financing from Biz2Credit.

We would recommend Biz2Credit 100% without fail, no questions about it."

Vicky Vij and Raja Jhanjee

Owners of Bukhara Grill
Customer since 2008

How our CRE Loans work

Commercial Real Estate Loans Articles

Frequently Asked Questions

What types of properties qualify for a commercial real estate loan?

A variety of properties can be used to finance commercial real estate loans. Office buildings (single-tenant, multi-tenant & skyscrapers), retail properties (shopping centers, strip malls, standalone retail stores), industrial properties (warehouses, distribution centers, etc.), hotels and self-storage properties are just some examples of properties that can qualify for commercial real estate loans.

What is the typical loan-to-value (LTV) ratio for commercial real estate loans?

The typical LTV ratio ranges from 65% to 80%, depending on the property type and borrower's creditworthiness. This means lenders are usually willing to finance 65% to 80% of the property’s appraised value, with the borrower providing the remaining 20% to 35% as equity. But exact LTV depends upon property type, borrower’s creditworthiness and real estate market trends.

What is the difference between recourse and non-recourse commercial real estate loans?

Both recourse and non-recourse loans allow lenders to seize the assets that are given as collateral at the time of getting the loan in case the borrower defaults on the repayment. With a recourse loan, lenders can go after a borrower’s other assets if they don’t get back all of their money. But with a non-recourse loan, a lender can collect from the collateral but cannot go after other assets of the borrower. So, non-recourse loans have higher rates, stricter terms and other stringent conditions.

Can I refinance an existing commercial real estate loan?

Yes, generally refinancing options are available. It can have several benefits such as lower monthly payments, extended terms, access to equity, avoidance of hefty balloon payments and more. But you might also have to be large upfront cost and pay a prepayment penalty from your lender too. Also, not all commercial properties can be refinanced.

Are there prepayment penalties for commercial real estate loans?

Yes, there are prepayment penalties for commercial real estate loans in the US and they are pretty common. These penalties are fees charged to borrowers who repay their loans before the agreed maturity date to make up for the loss of anticipated interest income for the lenders.
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