Commercial Term Loans Nationwide, $150K to $100M
π¦ The Straight Commercial MortgageI’m Kevin Kermeen, a nationwide commercial loan broker and a real business owner, not a banker. I arrange commercial term loans on stabilized income property … the straight, long-term mortgage to buy or refinance a building with predictable payments. Commercial term loans are the loan most other deals refinance into, and I shop yours across a private lender network to find the best fit.
$3.8M Stabilized Property Refinanced Into a Long-Term Fixed, Payment Locked for Good
An investor owned a $3.8M stabilized commercial property on a loan that was about to reset to a higher adjustable rate. His bank offered a short term with another balloon down the road, which just kicked the problem forward.
He called me. I placed a commercial term loan into a long-term fixed, sized on the property’s cash flow at conservative leverage, so his payment is locked and the balloon worry is gone. Predictable money for the long haul.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
Commercial Term Loans Are the Straight, Long-Term Mortgage
Commercial term loans are the plain-vanilla commercial mortgage: a lump sum to buy or refinance a stabilized property, repaid over a set term with regular payments. No gimmicks. It is the loan most other products eventually refinance into … a bridge gets taken out by one, a construction loan converts to one, a balloon gets replaced by one. Get your commercial term loans right and your largest cost becomes predictable.
The two numbers that matter are the term and the amortization. The term is how long this particular note runs, and the amortization is the schedule your payment is based on. Commercial term loans come two ways: some fully amortize over 25 to 30 years with no balloon, while others carry a shorter term with a balloon at the end. I will tell you straight which structure fits your property and your plan, so you are never surprised by a balloon you did not see coming.
Commercial Term Loans for Every Property and Purpose
From buying a stabilized building to locking a long-term fixed before your balloon hits, I have the capital and the lenders to close it. Here is how I structure commercial term loans across the most common scenarios.
Commercial Term Loans to Purchase Property
Buy an income-producing commercial property with a long-term mortgage sized on cash flow, up to 80% LTV on the stronger asset types.
Refinance Into a Fixed
Replace an adjustable or maturing loan with a long-term fixed commercial term loan, so your payment is locked and predictable for years.
Cash-Out Refinance
Tap the equity in a property you own to fund improvements, your next acquisition or business growth, all in one clean term loan.
Bridge or Construction Take-Out
Refinance a bridge or a completed construction loan into permanent debt. The term loan is the exit those short-term loans are built for.
Owner-Occupied Term Loan
Your business occupies the building. A conventional owner-user term loan works, and an SBA 504 or 7a can reach higher leverage on the right deal.
Investor and Multi-Property
Long-term financing for investors holding leased commercial property, sized on the rent roll, occupancy and your experience.
Commercial term loans work across every property type I finance. Explore my full commercial real estate loans … multi-family apartment loans, warehouse and industrial, office buildings, retail and strip mall and flex buildings. Need speed first? See owner-occupied bridge loans. Owner-occupied? An SBA 504 or 7a loan can fit. Running the business too? See my small business loans.
Tell Me About Your DealCommercial Term Loan Guidelines Most Brokers Never Show You
Transparency builds trust. Below is a practical summary of the commercial term loans I actually place. I am not a bank and I do not push one-size paper … I work a private network of long-term, permanent, bank and owner-user lenders, plus SBA for owner-occupied. Final terms depend on the property, cash flow, your credit and experience, and lender underwriting.
| Program | Typical LTV | Typical Term | Best For |
|---|---|---|---|
| Stabilized Purchase | Up to 80% | 5 to 30 yr | Buying income-producing property |
| Rate and Term Refinance | Up to 75% | 5 to 30 yr | Locking a fixed, escaping a balloon |
| Cash-Out Refinance | Up to 70% | 5 to 30 yr | Pulling equity from a property you own |
| Owner-User (SBA) | Up to 90% | Up to 25 yr | Your business occupies the building |
| Bridge or Construction Take-Out | Varies | 5 to 30 yr | Permanent exit from a short-term loan |
Swipe to see all columns β
*Commercial term loan rates generally run about 6% to 14%, fixed or adjustable. Your final rate is calculated on the strength of the whole application … property type, location, credit score, real estate investment experience and more. Apply and I will give you a free, no-obligation quote. Up to 80% LTV applies to stronger asset types; commercial property is often sized lower, and owner-occupied SBA structures can reach up to 90%. Final leverage, term, rate and structure depend on the property, sponsor strength and lender underwriting. This is not a commitment to lend.
A Free Quote First. Then a Loan Built to Last.
Commercial term loans are a long-term commitment, so they should be structured right the first time. Here is how I move your file and find the best fit.
Send the Deal
The property, the purpose, the cash flow and your timeline. Two minutes is enough to get a free quote started.
Free No-Obligation Quote
I match your commercial term loans file to the lenders most likely to fund it, and price it on your real numbers.
Underwrite and Appraise
I package the file and drive the appraisal so cash flow, leverage and your experience present right.
Close and Lock It In
You close into a long-term loan with a payment built to last, fixed or adjustable, whichever fits your plan.
Who These Commercial Term Loans Are, and Are NOT, For
I qualify deals honestly so neither of us wastes time. Commercial term loans reward stabilized, cash-flowing property, 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 buying or refinancing a stabilized, income-producing property.
- βYou want a long-term fixed or adjustable payment you can plan around.
- βYou’re escaping a balloon or an adjustable that is about to reset.
- βYou’re taking out a bridge or completed construction loan.
- βThe deal is $150K or larger and the property is worth $150K or more.
π« This is NOT for you ifβ¦
- βYou need to close in days … a bridge fits a hard deadline better.
- βThe property is vacant or mid-construction with no stabilized cash flow.
- βYou want 100% financing with no down payment and no equity.
- βYou’re “just checking rates” with no property and no numbers.
- βYou need under $150K … a smaller program fits better.
Tell Me About Your Deal
Sixty-second commercial term loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your commercial term 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 Commercial Term Loans From My Desk
A snapshot of the commercial term loans I close. Every deal is different, yours starts with a conversation.
$3.8M Β· Refinance to Fixed, OH
Refinanced a stabilized property off a resetting adjustable into a long-term fixed, payment locked.
$1.2M Β· Retail Purchase, TX
Acquisition of a leased retail property on a 25-year amortizing term loan at conservative leverage.
$2.4M Β· Cash-Out Refi, FL
Pulled equity from a stabilized building into a single clean term loan to fund the next acquisition.
How I Structure Commercial Term Loans That Actually Close
Most brokers quote a rate and disappear. I structure commercial term loans around your property, your cash flow and your long-term plan, then match the file to the lender most likely to fund it at the best terms. On commercial term loans you will carry for years, the right structure is worth far more than a teaser rate.
Commercial term loans are priced on the strength of the whole picture, not one number. Lenders weigh the property type and location, the cash flow and debt service coverage, your credit and liquidity, and your real estate experience. That is why I will not throw out a rate before I understand your deal. Commercial term loan rates generally run in a wide band, and where you land inside it depends on those factors. I package your file so your strengths lead, then bring you a free, no-obligation quote built on your real numbers.
Here is the honest difference. A bank runs your loan through one rigid box, offers a short term with a balloon and calls it a day. I work a private network of long-term, permanent, bank and owner-user lenders, so your commercial term loans get shopped to the program that actually fits. For an owner-user, that might be an SBA 504 reaching higher leverage. For an investor, it might be a fully amortizing 30-year option with no balloon. The right answer depends on your plan, and finding it is my job.
So the strategy is simple: get the structure right once, and your largest cost becomes predictable for years. I will tell you straight whether a long-term fixed, an adjustable or an SBA structure serves you best, because the wrong term loan quietly costs you for a decade and the right one quietly pays you back. Every deal is built around your property and your plan, not a one-size box. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What is a commercial term loan?
How much can I borrow and at what LTV?
What are commercial term loan rates right now?
Should I choose a fixed or adjustable rate?
Can a commercial term loan refinance my balloon or bridge?
What does it cost to work with you?
A Commercial Term Loan Advisor Who Structures It to Last
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real business owner, not a banker. I get long-term capital into the hands of investors and owners, and I review every commercial term 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 long-term, permanent, bank and owner-user lenders, plus SBA for owner-occupied, to find the structure that actually fits. For independent rate context, see the Federal Reserve interest rate data 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 arrange commercial term loans when you actually need them … $150K to $100M, up to 80% LTV, 5 to 30 year terms, fixed or adjustable, with a free no-obligation quote from a broker who has owned real estate himself.
Loan amounts, leverage, terms, rates and timelines shown are typical ranges, not guarantees. *Commercial term loan rates generally run about 6% to 14%, fixed or adjustable; your final rate is calculated on the strength of the whole application, including property type, location, credit score and real estate investment experience, so apply for a free no-obligation quote. *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 80% LTV applies to stronger asset types; commercial property is often sized lower and owner-occupied SBA structures can reach up to 90%. Final leverage, term, rate and structure depend on the property, sponsor strength and lender underwriting. This is not a commitment to lend.