Office Building Loans Nationwide, $150K to $100M
π’ Office and Medical Office CapitalI’m Kevin Kermeen, a nationwide commercial loan broker and a real business owner, not a banker. I arrange office building loans for purchase, refinance and cash-out … owner-user, medical office and stabilized investor property. When your loan is maturing and your bank has gone quiet on office, I find the lender who will still fund it.
$3.4M Medical Office Refinance Closed When the Bank Would Not Renew
A physician group owned a $3.4M medical office building near a hospital campus. Their maturing loan came due, and the bank that financed it years ago no longer wanted office paper … even though the building was full and the practice was thriving.
They called me. I placed the refinance with a lender that understood medical office, locked a long-term fixed rate, and pulled modest cash-out for tenant improvements. Term sheet in four days.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
Office Building Loans That Lenders Still Compete For
Let me be straight, because you already know the headlines. General multi-tenant office is the hardest CRE class to finance right now. But that is only half the story. Owner-user office, medical office and well-leased stabilized buildings still attract real lender competition, and that is exactly where I live. I match your office building loans to the lenders still writing checks in your category, instead of letting one bank decline you for the whole asset class.
Office Building Loans for Every Deal Type
From a physician buying their own building to an investor refinancing a leased office, I have the capital and the lenders to close it. Here is how I structure office building loans across the most common scenarios.
Owner-User Office Building Loans
Buy the building your business operates from and stop paying rent. Owner-occupied office building loans reach up to 90% LTV on the right deal.
Medical and Dental Office
Medical office near a hospital with strong tenants is one of the most fundable office types. Physicians, dentists and vets buying or refinancing their space.
Refinance and Cash-Out
Your loan is maturing and the original bank walked from office. I refinance stabilized office building loans and pull equity where the numbers support it.
Stabilized Multi-Tenant
Well-leased multi-tenant office with credit tenants and term remaining still attracts long-term capital sized to the rent roll and lease quality.
Value-Add Bridge
Short-term capital to acquire an under-leased office, fund tenant improvements and lease-up, or reposition toward a higher and better use, then refinance.
Hard Money and Fast Close
Asset-based office building loans when speed matters more than paperwork, or when a maturity default is bearing down and you need to close now.
Office is one of many property types I finance. Explore the rest of my commercial real estate loans … office condo loans, multi-family apartment loans, warehouse and industrial, owner-occupied bridge and commercial term loans. For a related space, see my flex building loans or construction and development loans. Owner-occupied? An SBA 504 or 7a loan can fit a building your practice occupies. Need capital for the business itself? See my small business loans.
Tell Me About Your Office DealMaturing Office Loan? You Are Not Alone, and You Have Options
Roughly $1.5 trillion in commercial real estate loans mature nationwide between 2024 and 2026. Many were written at 3 to 4% and now reset into a higher-rate market, and a lot of banks have quietly stepped back from office. If your office building loans are coming due and your lender has gone cold, that is not a you problem … it is a market the whole industry is navigating.
Here is the honest upside: because so many loans are maturing at once, the lenders who do still want office are competing hard for the good ones. On a recent office refinance, the spread between the best and worst term sheet was over a full point … real money every year on a multimillion-dollar loan. I solicit quotes across my network so you capture the best available pricing instead of taking the first answer. The worst move is waiting until you are in default. The best move is calling me early.
Office Building Loan Guidelines Most Brokers Never Show You
Transparency builds trust. Below is a practical summary of the office building loans I actually place. I am not a bank and I do not push one-size paper … I work a private network across owner-user long-term, short-term, bridge, hard-money and mezzanine capital. Final terms depend on occupancy, tenant credit, lease term, location and lender underwriting.
| Program | Typical LTV | Typical Term | Best For |
|---|---|---|---|
| Owner-User | Up to 90%* | Up to 25 to 30 yr | Your business occupies the building |
| Medical Office | Up to 90%* | Up to 25 to 30 yr | Physician, dental, vet, near hospital |
| Stabilized Investor | Up to 75% | 5 to 10 yr | Well-leased multi-tenant, credit tenants |
| Short-Term / Bridge | Up to 70% | 12 to 36 mo, I/O | Lease-up, value-add, reposition |
| Hard Money | Up to 65% | 6 to 24 mo, I/O | Speed, maturity default, asset-based |
Swipe to see all columns β
*Up to 90% leverage applies to qualified owner-user and medical office building loans where your business occupies the majority of the space. Investor and multi-tenant office is sized more conservatively, and general non-owner office leverage reflects current market conditions. Final leverage, term and pricing depend on occupancy, tenant credit, lease term, location, sponsor strength and lender underwriting. This is not a commitment to lend.
Term Sheet in 3 to 5 Days. Funding in 21 to 30.
Office moves on occupancy, tenant credit and sponsor strength. Here is how I move your file while your bank decides whether it even wants office.
Send the Deal
Property type, occupancy, rent roll or your business use, loan purpose and timeline. Two minutes is enough to start.
Term Sheet 3 to 5 Days
I match your office building loans file to the owner-user, bridge or long-term lender still active in your category.
Underwrite and Appraise
I package the file and drive third-party reports so occupancy, tenant credit and lease term present right.
Fund in 21 to 30 Days
You close, refinance or acquire … while a slower owner is still waiting on a bank that may never call back.
Who These Office Building Loans Are, and Are NOT, For
I qualify deals honestly so neither of us wastes time. Office is the toughest CRE class right now, so I am straight with you up front. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYou’re an owner-user or medical or dental practice buying or refinancing your own building.
- βYour office is well-leased with decent occupancy and tenants who pay.
- βYour loan is maturing and you want to refinance before it becomes a problem.
- βYou have a real value-add or lease-up plan for an under-occupied building.
- βThe deal is $150K or larger and the property is worth $150K or more.
π« This is NOT for you ifβ¦
- βYou have a mostly vacant office tower with no lease-up or conversion plan.
- βYou want 100% financing with no down payment and no equity.
- βYou expect stabilized terms on a building that is bleeding tenants.
- βYou’re “just checking rates” with no property and no numbers.
- βYou need under $150K … a smaller program fits better.
Tell Me About Your Office Deal
Sixty-second office building loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your office building loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Office Building Loans From My Desk
A snapshot of the office building loans I close. Every deal is different, yours starts with a conversation.
$3.4M Β· Medical Office Refi, AZ
Physician group refinanced a maturing loan into long-term fixed with cash-out after their bank exited office.
$1.6M Β· Owner-User Office, TX
Professional services firm bought its own building at high owner-user leverage and stopped paying a landlord.
$5.2M Β· Value-Add Office, FL
Bridge loan to acquire an under-leased building, fund tenant improvements, and stabilize before a long-term refinance.
How I Structure Office Building Loans That Actually Close
Most brokers quote a rate and disappear. I structure office building loans around your occupancy, your tenants and your timeline, then match the file to the lender still active in your category. In today’s office market the right lender matters more than ever, because one bank’s no is not the whole market’s no.
Office underwriting comes down to who is in the building and for how long. Lenders weigh occupancy, tenant credit, remaining lease term and your track record, and they treat owner-user and medical office completely differently from speculative multi-tenant space. I package your office building loans file so the strengths lead … a hospital-adjacent medical tenant on a ten-year lease tells a very different story than a half-empty suburban tower, and I make sure the lender sees that story clearly.
Here is the honest difference. A bank runs your office deal through one rigid box, and right now a lot of those boxes simply say no to office regardless of your building. I work a private network of lenders who still write office building loans … owner-user specialists, medical office lenders, bridge funds and long-term capital … so your deal gets shopped to the people who actually want it. That is how a term sheet lands in days instead of a flat decline.
On owner-user and medical office I can place up to 90% leverage with long amortization. On a maturing investor loan I find the refinance the original bank will not offer. On a repositioning play I structure a bridge to lease-up, then the permanent takeout. Every deal is built around your property and your plan, not forced into a one-size box. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
Can you still get office building loans in this market?
How much can I borrow on an office building?
My office loan is maturing and my bank will not renew. What do I do?
Do you finance medical and dental office buildings?
How fast can an office loan fund?
What does it cost to work with you?
An Office Loan Advisor Who Knows Which Lenders Still Say Yes
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real business owner, not a banker. I get capital into the hands of office owners and medical practices, and I review every office building loans file personally. I’m not a bank and I don’t push one-size paper … I shop your deal across a private network of owner-user, medical office, bridge and long-term lenders to find the structure that actually closes in this market. For independent context on office vacancy and the economy, see the Bureau of Labor Statistics and the U.S. Census Bureau construction spending data.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I fund office building loans when you actually need it … $150K to $100M, term sheet in 3 to 5 days, funding in 21 to 30, same-day callback from a broker who has owned real estate himself.
Loan amounts, leverage, terms and timelines shown are typical ranges, not guarantees. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. *Up to 90% leverage applies to qualified owner-user and medical office building loans where your business occupies the majority of the space; investor and multi-tenant office is sized more conservatively and reflects current market conditions. Office building loans are structured individually across a private lender network of owner-user long-term, short-term, bridge, hard-money and mezzanine capital; final leverage, term and pricing depend on occupancy, tenant credit, lease term, location, sponsor strength and lender underwriting. This is not a commitment to lend.