Commercial Real Estate Loans by State
Commercial Real Estate Loans by State$150K to $100M, Nationwide
I arrange commercial real estate loans by state for investors, sponsors, and developers in all 50 states, from a single retail strip to a $100M ground-up campus. Pick your state below and you land on a page built for that market, with the metros, the programs, and the lender channels that actually fund deals there. If you want nationwide commercial real estate loans with a real closer behind them, you found me. Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. Don’t Beg the Bank!
Commercial Real Estate Loans by State, All 50 States
Every state below links to a dedicated page for commercial real estate loans in that market. I am a nationwide commercial loan advisor arranging commercial real estate loans by state, so wherever your property sits, I can fund it. Pick your state and tell me about the deal. This is how I keep commercial real estate loans by state local, not generic. These are real commercial real estate loans by state, not a national form that ignores where you actually buy.
West
From the Phoenix and Las Vegas apartment runs to California industrial and Pacific Northwest mixed-use, the West is where my fastest commercial property loans close. I fund multi-family, industrial, retail, and ground-up across the region.
South
Texas, Florida, and the Carolinas drive the heaviest commercial mortgage volume on my desk. Population growth, in-migration, and corporate relocations keep multi-family and industrial deals moving across the South.
Midwest
The Midwest is industrial and multi-family territory, with strong owner-occupied SBA 504 demand. From Chicago logistics to Ohio and Michigan manufacturing space, I structure commercial property loans that banks too often slow-walk.
Northeast
Dense, high-value, and competitive. New York, New Jersey, Massachusetts, and Pennsylvania bring big multi-family and mixed-use deals where speed and a commercial mortgage that actually closes win the property.
Commercial Property Loans by Type
No matter which state you are in, I fund every major commercial asset class. These program pages go deep on each property type, and they back every one of my nationwide commercial real estate loans. Pair a property type with your state above and you have the full picture of the commercial real estate loans by state that I arrange.
Multi-Family Apartment Loans
Five units and up, purchase or refinance. My single biggest lane and the home of my $43M and $4.2M flagship deals.
Multi-family loans →Warehouse and Industrial Loans
Distribution, logistics, light manufacturing, and flex-industrial. The asset class lenders chase right now.
Warehouse and industrial →Office Building Loans
Multi-tenant and single-tenant office. Acquisition, refinance, and value-add bridge structured to the rent roll.
Office building loans →Office Condo Loans
Owner-user office condos that often qualify for SBA 504, the highest-leverage structure for an owner-occupant.
Office condo loans →Retail and Strip Mall Loans
Neighborhood strip centers, single-tenant net lease, and anchored retail. Financed on the strength of the tenancy.
Retail and strip mall →Flex Building Loans
Office-warehouse flex, the versatile hybrid that draws small businesses in every state I lend in.
Flex building loans →Construction and Development Loans
Ground-up from $500K to $100M, with an LTV/LTC blend up to 90% on qualified large deals.*
Construction and development →Owner-Occupied Bridge Loans
Interest-only bridge from 6 to 60 months for owner-users, with an SBA or permanent takeout on the exit.
Owner-occupied bridge →Commercial Term Loans
Longer-term, fully amortizing commercial mortgage debt for stabilized property you intend to hold.
Commercial term loans →Foreclosure Bailout Loans
Behind on a commercial mortgage with a sale date looming? My foreclosure bailout loans pay off the delinquent note and stop the foreclosure on your commercial property, fast.
Foreclosure bailout loans →The SBA 504 Edge for Owner-Occupied Property
Across every state, the SBA 504 is one of the strongest commercial real estate loans an owner-occupant can get. Here is why it is built differently from a bank loan.
Why the SBA 504 Structure Is Different
Most people think an SBA 504 loan is a bank loan with a government program attached to it. It is not. The SBA 504 is structured differently from any conventional CRE loan, and that is exactly why it works the way it does.
Here is the actual mechanic:
The bank provides the first lien at typically 50 percent of the project. The SBA/CDC second-position portion (40 percent) is packaged through the debenture market, where SBA-backed debentures are sold to investors.
In other words, the SBA portion is tied more closely to the bond market than to any conventional bank balance sheet.
A conventional commercial loan is priced around bank risk, borrower risk, property risk, and lender margin. The SBA 504 debenture is priced around government-backed bond risk… a completely different funding source.
That is why the 504 program can deliver long-term, fixed-rate capital that conventional commercial real estate financing often cannot replicate. The 504 advantage is the highest leverage in the market for the owner-user, because it draws from a different capital source entirely.
When the 504 fits your deal, it is almost always the best structure available. The question is whether your deal qualifies. One conversation with me and I will tell you.
Apply for SBA 504 financing →Commercial Real Estate Loans, Speed by Program
Same closer, same speed, in every state. That is what nationwide commercial real estate loans should feel like. This is the timeline you can expect on the commercial real estate loans by state that I arrange.
| Program | Range | Term Sheet | Close |
|---|---|---|---|
| CRE Acquisition | $150K to $100M | 3 to 5 days | 21 to 30 days |
| CRE Refinance | $150K to $100M | 3 to 5 days | 21 to 30 days |
| Bridge / Owner-Occupied Bridge | $150K to $100M | 24 to 72 hours | 15 to 30 days |
| SBA 504 / 7(a) | $150K to $20M+ | 5 to 10 days | 45 to 90 days |
| Construction / Development | $500K to $100M | 5 to 10 days | 30 to 45 days |
| Foreclosure Bailout | $150K to $100M | 24 hours | Under 15 days |
| Cashout (free-and-clear property) | $150K to $100M | 3 to 5 days | 10 to 20 days |
One Advisor, Every State, Every Asset Class
20+ Years in the Commercial Real Estate Arena.
I am Kevin Kermeen, a nationwide commercial loan advisor, not a bank and not a lead-selling portal. I arrange nationwide commercial real estate loans across all 50 states, matching your deal to the right lender from my partner network and structuring it to actually close. I personally review every file, I call you directly, and I never text.
A bank can only sell you its own paper. I shop your commercial mortgage across my full network to find the rate, leverage, and timeline that fit your deal, whether that is a $400K office condo in Ohio or a $43M apartment complex in Texas. When a bank handed back its umbrella two weeks before a $43M closing, the broker called me, and I closed it in 19 days with an institutional capital partner.
That is the entire promise of this site. Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. I bring the capital partner who closes when the bank will not. Don’t Beg the Bank!
Same-day approvals are common when your application reaches me before 9am Arizona Time. Pick your state, send me the deal, and I will tell you in plain English what I can do.
Authority on Commercial Real Estate Lending
I would rather you trust the institutions than take my word for it. These are the national sources I rely on when I structure commercial real estate loans by state, and you should too.
Federal Loan Programs
The SBA’s own breakdown of the 7(a), 504, and other programs I use to structure owner-occupied commercial property loans.
SBA Loan Programs →Commercial Real Estate Industry
NAIOP, the commercial real estate development association, on market trends and development standards nationwide.
NAIOP →Real Estate Research and Trends
The Urban Land Institute’s research on capital flows and emerging trends across U.S. real estate markets.
ULI →Commercial Market Data
The National Association of Realtors commercial research, with quarterly data on every major U.S. metro.
NAR Commercial →Send Me Your Deal, Any State
Tell me what you are working on and where. I review every one of my commercial real estate loans by state files personally and I will call you back, 7 days a week, on Arizona Time.
No upfront fees.* I am paid by the lender at closing. Your information goes to me directly… I call leads, I never text, and I never sell your data.
Commercial Real Estate Loans by State: FAQ
Do you really arrange commercial real estate loans by state in all 50 states?
Yes. I am a nationwide commercial loan advisor, and I arrange commercial real estate loans by state in all 50 states. Every state on this page links to its own dedicated page with the metros, programs, and lender channels that fund deals in that market. Wherever the property sits, from a single retail strip in Iowa to a $100M campus in Texas, I can fund it. Pick your state, send me the deal, and I will tell you in plain English what I can do. Don’t Beg the Bank!
How much can I borrow on commercial property loans?
I arrange commercial property loans from $150K to $100M. Smaller owner-user deals run through SBA 504 and 7(a), conventional acquisitions sit in the middle, and large institutional deals up to $100M go through my capital partners. On qualified $5M to $100M CRE, development, and construction deals I can reach up to 90% leverage.* The number that matters is your deal, not a billboard rate. Tell me the property and the price and I will tell you the structure that fits.
What property types do you finance?
All of them. Multi-family apartments, warehouse and industrial, office buildings, office condos, retail and strip malls, flex buildings, construction and development, and self storage. Multi-family is my single biggest lane, but I place commercial real estate loans across every major asset class in every state. If you are not sure where your deal fits, send it to me and I will point you to the right program. Every asset class, one source, nationwide.
How fast can you close a commercial mortgage?
On a standard acquisition I deliver a term sheet in 3 to 5 days and close in 21 to 30. A bridge commercial mortgage moves faster, a term sheet in 24 to 72 hours and a close in 15 to 30 days. If a bank just walked on you days before closing, I can place an emergency term sheet in 24 hours and close in under 15 days. The clock starts the moment your application reaches me, so the sooner I see the deal, the sooner the money moves. Arizona Time, 7 days a week.
Do you offer SBA 504 for owner-occupied property in any state?
Yes, and it is one of my specialties nationwide. The SBA 504 is structured differently from a conventional bank loan: a bank first lien at about 50 percent, an SBA/CDC debenture portion at about 40 percent priced off the bond market, and your equity. That structure delivers the highest leverage and best long-term fixed rates available to an owner-user, in every state. If you occupy 51 percent or more of the building, your deal likely qualifies. One call and I will tell you for sure.
I am facing foreclosure on a commercial property. Can you help?
Yes. My foreclosure bailout loans pay off the delinquent commercial mortgage and stop the foreclosure, then give you a clean runway to refinance or sell on your terms. These are asset-based deals, so the equity in the property matters more than your recent credit. If there is a sale date on the calendar, call me first, before you call anyone else, because speed is everything once the clock is running. I can place a term sheet in 24 hours and close in under 15 days.
What does it cost to work with you?
I charge no fees to you, the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet… that charge belongs to the lender, not to me, and it is always disclosed before you commit to anything. There are no upfront fees to me to get started. You send me the deal, I go to work, and the lender pays me when it closes.
Can I get a commercial mortgage with less-than-perfect credit?
Often, yes. A bank leads with your credit score. I lead with the deal. For income property, DSCR programs qualify the property’s cash flow, not your W-2 or your FICO. For owner-occupied deals there is more flexibility than most banks admit. Bad credit does not automatically kill a strong deal in my world… it just changes which lender in my network I take it to. Send it over and let me look.
My state is not built out yet. Can you still fund my deal?
Absolutely. The state pages are how I organize commercial real estate loans by state for search, but my lending is nationwide and not limited to any list. If your state link is live, start there. If you would rather skip straight to a person, use the form above or call me directly. Either way the deal reaches me, I review it personally, and I call you back. Don’t Beg the Bank!
Find your state. Find your program. Don’t Beg the Bank!
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. Send me your deal and I will bring the capital partner who closes commercial real estate loans by state when the bank will not.
Commercial Real Estate Loans by State
Every state, one advisor. Tap your state to start.
*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. Leverage up to 90% applies only to qualified $5M to $100M CRE, development, and construction deals, measured as LTV on stabilized value or an LTV/LTC blend on ground-up; terms run 12 to 60 months on large deals with closings in 15 to 30 days, and stabilized permanent financing runs 5 to 30 years. All figures are illustrative and subject to lender approval, underwriting, and property qualification. Commercial real estate loans by state are arranged by Kevin Kermeen, a nationwide commercial loan advisor.