Commercial Real Estate
Financing That Closes.
Commercial real estate financing for office buildings, retail centers, industrial properties, warehouses, multifamily properties, mixed-use properties, rental investments, bridge loans and ground-up construction.
$2.3M Apartment Refinance β Closed in 21 Days
A multifamily investor needed to refinance an apartment property quickly, unlock equity, and avoid getting stalled by traditional bank delays.
Every deal is different. This example shows why structure, lender fit, borrower profile, and speed matter before you apply.
Review My CRE DealCommercial Property Capital for Investors, Owners and Developers
This is not a home loan. This is structured capital for property that works for you.
Commercial real estate financing is funding used to purchase, refinance, improve, stabilize or construct income-producing property.
That can include office buildings, retail centers, industrial buildings, warehouses, multifamily properties, mixed-use buildings, rental investment properties, fix and flip projects, cash-out refinances and ground-up construction.
Most banks look at one box. Kevin looks at the full deal: property value, borrower credit, experience, income, loan-to-value, loan-to-cost, rehab budget, exit strategy and timeline.
Office
Owner-user and investor
Retail
Strip centers and mixed-use
Industrial
Warehouse and flex
Multifamily
Rental income properties
Construction
Ground-up projects
Bridge
Short-term capital
Clear CRE Loan Guidelines Most Brokers Never Show You
Transparency builds trust. Below is a practical loan summary for common commercial real estate financing programs. Final approval depends on borrower strength, property type, property value, location, cash flow, debt service coverage, experience, collateral and lender underwriting.
Hard Money Bridge Loans
- Approval Amounts: $100,000 to $50,000,000
- Minimum Property Value: $150,000
- Purchase LTV: 65% to 80%, up to 100% rehab funds possible
- Cash-Out Refinance LTV: 50% to 65%, up to 80% of rehab funds possible
- Credit: Above 650 preferred
- Term Length: 6 to 24 months, interest only
Rental Investment Property Loan
- Approval Amounts: $100,000 to $50,000,000
- Minimum Property Value: $150,000
- Purchase LTV: 70% to 80%
- Cash-Out Refinance LTV: 60% to 75%
- Credit: Above 650 preferred
- Term Length: 5, 7, 10, 15 and 30 years
Commercial Property Mortgage
- Approval Amounts: $100,000 to $50,000,000
- Minimum Property Value: $150,000
- Purchase LTV: 70% to 75%
- Cash-Out Refinance LTV: 50% to 70%
- Credit: Above 660 preferred
- Term Length: 5 to 30 years
Ground-Up Construction Loan Program
- Approval Amounts: $100,000 to $50,000,000
- Minimum Land Value: $150,000
- Loan-to-Cost: 75% to 85% LTC, up to 100% rehab possible
- Credit: Above 680 preferred
- Term Length: 6 to 24 months, interest only payments
Not Sure Which CRE Loan Fits Your Deal?
Call Kevin before you submit the wrong application to the wrong lender. Bridge loan, rental loan, commercial mortgage and construction financing are not interchangeable.
Apply Now β Itβs FreeOr call Kevin direct: (480) 915-8690
Commercial Real Estate Financing Options for Serious Borrowers
Every property, borrower and exit strategy is different. 75BizLoans helps match the deal to the correct lending channel.
Owner-User Commercial Property Loans
Financing for business owners purchasing or refinancing the building their company operates from.
Apply Now βRental Investment Property Financing
Long-term rental property loans for investors building income and equity through real estate.
Apply Now βBridge Loans and Hard Money
Short-term capital for acquisitions, cash-out refinances, fix and flip projects and time-sensitive closings.
Apply Now βGround-Up Construction Loans
Construction financing for qualified developers, investors and business owners with viable projects.
Apply Now βIndustrial and Warehouse Financing
Commercial property financing for warehouse, industrial, flex and logistics-oriented property types.
Apply Now βRetail and Mixed-Use Property Loans
Commercial property loans for retail centers, mixed-use properties, service businesses and investor-owned real estate.
Apply Now βWhat Commercial Real Estate Lenders Usually Review
These are general guideposts, not guarantees. Stronger deals get better lender attention.
A Smarter Way to Structure Commercial Real Estate Financing
The goal is not just approval. The goal is the right loan structure for the property, purpose and exit strategy.
Review the Deal
Kevin reviews property type, loan request, credit, experience, value, income, timeline and exit strategy.
Match the Program
The deal is positioned for bridge, rental investment, commercial mortgage or construction financing.
Move Toward Closing
Qualified files are packaged for lender review so you can pursue approval, underwriting and closing.
Get the Right Commercial Lending Structure.
We Work for the Borrower, Not One Bank
Real Program Transparency
Most brokers hide the numbers. This page gives borrowers a clear starting point before the first call.
Multiple Lending Channels
Commercial banks, private lenders, non-bank lenders and alternative financing sources may all be reviewed.
Deal Structure Matters
The wrong loan type can kill a good deal. Bridge, rental, mortgage and construction loans serve different purposes.
Direct Conversation
You can call Kevin directly at (480) 915-8690 and discuss the deal before wasting time with the wrong lender.
Who This Page Is Not For
Direct, honest positioning filters weak leads and increases serious calls.
Common Questions Before Applying
What credit score is usually needed for commercial real estate financing?
Many programs prefer 650 plus. Commercial property mortgages may prefer 660 plus. Ground-up construction programs often prefer 680 plus.
What is the difference between LTV and LTC?
LTV means loan-to-value and is usually based on property value. LTC means loan-to-cost and is often used in construction or rehab scenarios.
Can I get a commercial property loan if the property is vacant?
Sometimes. Vacant property usually requires stronger borrower strength, clear lease-up strategy, liquidity and the right lender.
How fast can commercial real estate financing close?
Some bridge loans can close quickly. Commercial mortgages and construction loans often take longer because of appraisal, title and underwriting.
Why use 75BizLoans instead of going straight to a bank?
A single bank can only offer what that bank wants to approve. Kevin can help route the deal toward better-matched lending options.
