Commercial Real Estate Financing

Commercial Real Estate Financing provides capital for income-producing property.

This is not a primary home loan.

This is funding for property used to generate revenue.

Office.
Retail.
Industrial.
Warehouse.
Multi-family.
Mixed-use.

Commercial Real Estate Financing gives business owners and investors leverage to scale.

Competitive market rates.
Multiple program types available.
650 minimum FICO.

If you want to control larger assets, you need structured capital.

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What Is Commercial Real Estate Financing?

Commercial Real Estate Financing (CRE) refers to funding used to purchase, refinance, or improve income-producing property.

Property types include:

Single-family investment properties
Multi-family properties
Mixed-use buildings
Office buildings
Retail centers
Industrial facilities
Warehouse facilities

These properties generate income.

They are not owner-occupied residences.

According to the Federal Reserve, commercial real estate plays a major role in U.S. lending markets.
https://www.federalreserve.gov

Commercial Real Estate Financing fuels business expansion nationwide.

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Commercial Real Estate Financing for Your Small Business

If you operate through an LLC, partnership, or corporation, Commercial Real Estate Financing is business capital.

Use of funds may include:

Property acquisition
Rate and term refinance
Cash-out refinance
Bridge loans
Fix and flip loans
Construction or renovation

This is structured capital for serious investors and operators.

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Secure an Instant Pre-Approval for Commercial Real Estate Financing

You should not guess where you stand.

Start your approval process in just 15 seconds.

Secure an instant pre-approval.

Clear answers fast.

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Simple Application

Our quick and easy online application takes seconds.

No unnecessary delays.

Direct underwriting evaluation.

Structured financing options.

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Minimum FICO for Commercial Real Estate Financing

Bad credit? No problem.

Most Commercial Real Estate Financing programs require a minimum 650 FICO.

Credit requirements vary by:

Property type
Loan program
Down payment
Debt coverage ratio

We have options across multiple credit profiles.

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Multiple Property Types Eligible

Commercial Real Estate Financing supports multiple property types.

Programs are structured for:

Office buildings
Retail properties
Industrial facilities
Warehouses
Mixed-use properties
Multi-family investments

Flexible terms.

Competitive rates.

Program diversity creates opportunity.

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Express Funding Commercial Real Estate Financing

Our fintech speed can reduce the loan process to as little as 30 days.

In competitive real estate markets, speed wins deals.

Sellers prefer certainty.

Fast closings increase negotiation leverage.

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What Do You Need to Qualify for Commercial Real Estate Financing?

Down Payment

Lenders require equity in the transaction.

Most conventional commercial loans require 15–25% down.

Stronger financials can reduce required equity.

Necessary Property Documentation

Due diligence is critical.

Expect to provide:

Appraisals
Environmental reports
Title searches
Zoning verification
Operating statements

Commercial Real Estate Financing requires documentation because the loan size is larger.

650 FICO Score

Minimum FICO is typically 650.

Stronger credit improves rates.

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What Is the Least You Can Put Down?

In many cases, the minimum down payment for Commercial Real Estate Financing starts at 15%.

However, the final requirement depends on:

Credit profile
Debt service coverage ratio (DSCR)
Property type
Loan program

Higher down payments often improve terms.

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What Is the Difference Between Residential and Non-Residential?

Residential property is used for dwelling.

Non-residential property includes:

Commercial
Industrial
Agricultural

Commercial Real Estate Financing applies to non-residential properties and large income-producing residential assets.

Understanding that distinction is essential in underwriting.

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Commercial Real Estate Products Available

We offer a wide range of Commercial Real Estate Financing products.

Popular programs include:

Purchase loans
Rate and term refinance
Cash-out refinance
Bridge loans
Fix and flip loans

Each serves a different purpose.

Purchase loans acquire assets.

Refinance loans improve terms.

Bridge loans provide short-term capital.

Fix and flip loans fund renovation and resale.

Structured properly, Commercial Real Estate Financing supports both long-term holds and short-term strategies.

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Why Commercial Real Estate Financing Builds Wealth

Commercial property produces:

Rental income
Appreciation
Tax advantages
Portfolio diversification

According to the U.S. Census Bureau, commercial real estate contributes significantly to local economic development.
https://www.census.gov

Leveraged property accelerates portfolio growth.

Commercial Real Estate Financing makes that leverage possible.

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Multiple Options

You choose the offer that makes sense.

Compare:

Rate
Term
Prepayment structure
Down payment requirement

Options create leverage.

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ZERO SURPRISES Commercial Real Estate Financing

Transparency matters.

Our offer calculator provides:

Clear rate
Clear amortization
Clear fees
No hidden surprises

One fee. No confusion.

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FinTech Intelligence – Speed and Service

Our FinTech Intelligence combines:

Quick delivery
Strong lender relationships
Excellent customer care

Between technology and partnerships with hundreds of lenders, we structure cost-effective solutions.

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Step-by-Step Commercial Real Estate Financing Process

SECURE AN INSTANT PRE-APPROVAL

STEP 1. APPLY ONLINE
Complete the application in seconds.

STEP 2. REVIEW OPTIONS
Your business loan advisor reviews financing options for your property.

STEP 3. RECEIVE YOUR FUNDS
Close in as little as 30 days.

Simple.

Efficient.

Structured.

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Benefits of Working With ROK for Commercial Real Estate Financing

Flexible term options
Competitive interest rates
Low doc options for qualifying investors
Strong lender network
Fast closings

We differentiate ourselves by delivering flexible structures and intelligent underwriting.

Commercial Real Estate Financing is complex.

Experience matters.

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Commercial Real Estate Financing Built for Growth

Competitive market rates.

Multiple program types.

650+ FICO minimum.

15–25% down typical.

Funding in as little as 30 days.

Flexible structures.

Zero surprises.

If you are serious about owning income-producing property, Commercial Real Estate Financing is the vehicle.

Apply.

Get pre-approved.

Secure property.

Scale your portfolio.