Commercial Real Estate Loans Nationwide … $100K to $100M+ from 75BizLoans.com
I’m Kevin Kermeen. I place commercial real estate loans on office, retail, industrial, warehouse, multifamily, mixed-use, bridge and ground-up construction deals. Most brokers hide the real structure … I show you practical loan amounts, LTV ranges, cap rate math and deal-fit before you waste a week with the wrong lender.
$4.2M Apartment Complex Purchase … Closed in 24 Days After the Bank Walked
A multifamily investor in Arizona was buying a $4.2M apartment complex with financing approved by his bank. Days before closing, the bank walked. No warning. He was about to lose the property and his earnest money.
He called me. I repositioned the file to a lender in my network that actually wanted multifamily paper, ran the deal off real NOI and debt service coverage instead of a rigid credit box, and closed the purchase into a 20-year fixed in 24 days … faster than the bank that quit on him.
That is the difference between one underwriting box and a 75-lender network for your commercial real estate loans. This deal lives on my multi-family apartment loans page, where I break down 5+ unit multifamily financing in full. Don’t Beg the Bank! Get funded instead.
Commercial Property Capital for Investors, Owners and Developers
This is not a home loan. Commercial real estate loans are structured capital used to purchase, refinance, improve, stabilize or construct income-producing property. Most banks look at one box. I look at the full deal: property value, borrower credit, experience, income, loan-to-value (LTV), loan-to-cost (LTC), rehab budget, exit strategy and timeline.
The math behind commercial real estate loans is different from residential. A lender prices commercial real estate loans off net operating income (NOI), cap rate and debt service coverage (DSCR), not just your W-2. Whether a deal is owner-occupied or held by an investor, whether the property is already stabilized or still a value-add play, and whether you want recourse or non-recourse terms all change the rate, the leverage and the lender. I read all of that before I place your file.
I structure commercial real estate loans across the full property stack, conventional and up to $100 million* on qualified large deals, without forcing you into agency paper. Tap a property type to see where your deal fits.
Pick the Commercial Real Estate Loans That Fit Your Deal
Bridge, rental, commercial mortgage and construction financing are not interchangeable. Submitting the wrong program to the wrong lender wastes a week and burns your timeline. Here is what each one does … tap any program for full details.
Multi-Family Apartment Loans
Acquisition and refinance for apartment complexes and 5+ unit multifamily property … my strongest category of commercial real estate loans and the home of the $4.2M apartment proof story above.
- Purchase LTV70-90%*
- FICO650+
- Term5 to 30 yrs
Warehouse and Industrial Loans
Financing for warehouse, industrial and logistics property … owner-user or investor-held.
- Purchase LTV70-90%*
- FICO660+
- Term5 to 30 yrs
Commercial Term Loans
Long-term commercial mortgages for stabilized, income-producing property … the core buy-and-hold loan, priced on cap rate and DSCR.
- Purchase LTV70-90%*
- FICO660+
- Term5 to 30 yrs
Owner-Occupied Bridge Loans
Short-term, interest-only capital for owner-users who need to close fast, unlock equity or bridge a gap the bank can’t hit, with an SBA or permanent takeout exit.
- LTV60-75%
- StructureInterest-only
- Term6 to 60 mo
Construction and Development Loans
Ground-up construction and development financing for qualified developers with shovel-ready projects.
- LTV/LTC Blend75-90%*
- FICO680+
- Term12 to 60 mo*
Office Building Loans
Purchase and refinance for office buildings … single-tenant, multi-tenant and professional office property. These are among the most common owner-user commercial real estate loans I place.
- Purchase LTV70-90%*
- FICO660+
- Term5 to 30 yrs
Office Condo Loans
Financing for owner-user and investor office condominiums … smaller-balance commercial property.
- Purchase LTV70-75%
- FICO660+
- Term5 to 30 yrs
Flex Building Loans
Financing for flex buildings that blend office, warehouse and light-industrial use under one roof.
- Purchase LTV70-75%
- FICO660+
- Term5 to 30 yrs
Retail Strip Mall Loans
Commercial property loans for retail strip centers, strip malls and mixed-use property with service tenants.
- Cash-Out LTV50-70%
- FICO660+
- Term5 to 30 yrs
Not sure which fits? Start at the full loan programs hub, explore SBA 504 loans and SBA 7a loans for owner-occupied commercial real estate, look at bridge loans for short-term plays, or see my small business loans for capital to run the business itself.
Not Sure? Have Me Review Your DealThe CRE Loan Guidelines Most Brokers Never Show You
Transparency builds trust. Below is a practical summary of the commercial real estate loans I place across common CRE programs. These commercial real estate loans are priced on the property, not a single credit box. Final approval depends on borrower strength, property type, value, location, cash flow, debt service coverage, experience and lender underwriting.
| Program | Amounts | LTV | Credit | Term |
|---|---|---|---|---|
| Bridge / Hard Money | $150K to $100M | 60-75% (100% rehab poss.) | 650+ | 6 to 60 mo, I/O |
| Rental Investment | $100K to $50M | 70-80% | 650+ | 5, 7, 10, 15, 30 yr |
| Commercial Mortgage | $100K to $100M+ | 70-75% (up to 90% on $5M+) | 660+ | 5 to 30 yr |
| Ground-Up Construction | $100K to $50M | 75-85% LTV/LTC blend (up to 90% on $5M+) | 680+ | 12 to 60 mo* |
Swipe to see all columns β
*Large-deal terms ($5M to $100M, qualified commercial real estate, development and new construction): up to 90% leverage … LTV on stabilized property, LTV/LTC blend on ground-up construction … with 12 to 60 month terms and typical closings in 15 to 30 days. Final leverage, term and timing depend on property, sponsor strength, cash flow and lender underwriting. This is not a commitment to lend.
Where Commercial Real Estate Loans Are Governed and Defined
I don’t ask you to take my word for how commercial real estate loans work. These are the independent industry and government bodies that set the standards, designations and program rules behind the financing I place.
CCIM Institute
The CCIM designation is the recognized professional standard for commercial investment real estate, covering the NOI, cap rate and DSCR analysis that prices commercial real estate loans.
View CCIM Institute βMortgage Bankers Association
The MBA is the national authority on commercial and multifamily real estate finance, tracking origination volume, lender appetite and the underwriting trends that move commercial real estate loans.
View the MBA βSBA 504 Program
For owner-occupied property, the U.S. Small Business Administration 504 program is a legitimate path to long-term, fixed-rate commercial real estate loans with low borrower equity.
View SBA 504 loans βA Smarter Way to Structure Your CRE Financing
The goal is not just approval. The goal is the right structure for your commercial real estate loans … matched to the property, purpose and exit strategy. I package commercial real estate loans the way a lender wants to see them, which is why my files close.
Review Your Commercial Real Estate Loan
I review property type, loan request, credit, experience, value, NOI, timeline and exit strategy.
Match the Program
Your deal is positioned for bridge, rental, commercial mortgage or construction financing.
Package the File
I package qualified files for the lenders in my network most likely to approve and close them.
Move to Closing
You pursue approval, underwriting and a clean term sheet … with me in your corner the whole way.
Who These Commercial Real Estate Loans Are … and Are NOT … For
I qualify deals honestly so neither of us wastes time. If you’re on the left, call me today. If you’re on the right, I’ll tell you straight and point you elsewhere.
β This IS for you ifβ¦
- βYou’re buying, refinancing or building income-producing commercial or investment property.
- βYour deal is $100K or larger and the property is worth $150K+.
- βYou have a real exit strategy … rent, refinance, sell or stabilize.
- βYou want a straight answer on structure, leverage and lender fit before you apply.
- βYour bank stalled, declined or walked … and your timeline is tight.
π« This is NOT for you ifβ¦
- βYou’re financing a primary residence you’ll live in … that’s a home loan, not CRE.
- βYou need under $100K … a working-capital line or term loan fits better.
- βYou have no down payment, no equity and no income on the deal.
- βYou’re “just checking rates” with no property and no plan.
- βYou expect 100% financing with zero skin in the game.
Tell Me About Your CRE Deal
Sixty-second commercial real estate loan application. I personally review every submission … no call center, no junior rep.
Got it. I’m on it.
Your commercial real estate loan application 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 Real Estate Closings From My Desk
A snapshot of the commercial real estate loans I close. These are real commercial real estate loans funded from my desk … every deal is different, and yours starts with a conversation.
$4.2M Apartment Complex … AZ
Multifamily purchase closed in 24 days into a 20-year fixed after the borrower’s bank walked pre-closing.
$1.8M Warehouse … TX
Owner-user industrial acquisition placed at 80% LTV when two banks passed on the property type.
$950K Retail Strip … FL
Cash-out refinance on a stabilized strip center, freeing capital for the investor’s next acquisition.
Commercial Real Estate Loans by Industry
I place commercial real estate loans for operators across the country, and I tailor commercial real estate loans to how each industry actually uses property. If you run one of these businesses and need property, find your industry below and see how I structure the financing.
A Commercial Real Estate Loan Advisor Who Tells You the Truth
I’m Kevin Kermeen, the nationwide commercial loan advisor behind 75BizLoans.com, and a real business owner, not a banker. My job is to get capital into the hands of operators and investors who build real things … apartment owners, developers, retail and industrial buyers. I place commercial real estate loans for them every week. I review every file personally and tell you straight whether your deal is fundable, what structure fits, and which lender is most likely to close it. For independent context on small business credit conditions, see the Federal Reserve Small Business Credit Survey.
Straight Answers Before You Apply
Are you a direct lender or a commercial real estate loan broker?
How much can I borrow on a commercial real estate loan?
What does it cost to work with you?
What credit score do I need for a CRE loan?
How fast can a commercial real estate loan close?
Can I really get up to 90% leverage?
Do you offer recourse or non-recourse commercial real estate loans?
What states do you serve?
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm. I fund commercial real estate loans when you actually need it … a 60-second application, same-day reviews, all 50 states.
Loan amounts, LTV, terms and timelines shown are typical ranges, not guarantees. I charge no upfront fees; I’m paid by the lender at closing.* Some partner lenders may require a commitment fee or deposit when you accept a term sheet … that is the lender’s charge, disclosed before commitment, separate from my compensation. *Up to 90% leverage applies only to qualified $5M to $100M commercial real estate, development and new construction deals (LTV on stabilized property, LTV/LTC blend on construction), with 12 to 60 month terms and 15 to 30 day typical closings. Final terms depend on property, sponsor strength, cash flow and lender underwriting. This is not a commitment to lend.