Commercial Property Purchase

Commercial purchase financing is for buying property that earns income or houses your business: apartment buildings of five units and up, retail strips, office buildings, mixed-use properties with shops below and apartments above, warehouses and light industrial space.

It works for investors buying a property for its rent, for owner-operators buying the building their business runs from, and for developers acquiring a site they plan to improve.

Unlike a home mortgage, a commercial loan is sized mainly on the property itself: what it is worth and how much income it produces against the loan payment. Your experience and the strength of the deal matter as much as your personal finances.

Different lenders suit different deals. A bank may offer the lowest cost on a stabilized building, SBA 504 can stretch further for an owner-occupied property, and private or bridge lenders move fastest when a property needs work first. We compare the options side by side so you can see the trade-off between cost, speed and flexibility.

Start with a message: the property, the price and what you plan to do with it. We tell you which lenders fit, what each one will want to see, and roughly what the structure could look like before you spend time gathering paperwork.