Office Building Loans
Banks got nervous about office. Your building still has a story.
A bank gives you an answer. As your loan broker, I give you options.
Your office building has tenants, a plan or your own business inside, and the bank lumps it in with every headline about empty towers. I’m Kevin Kermeen, and I place office building loans for investors and owner-users nationwide. Whether you need office building financing for a purchase, medical office loans for a practice, or an office refinance on a maturing note, I take one complete file to 200+ capital partners. Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
- Single and multi-tenant office
- Owner-user and medical office
- Minimum loan $150,000, up to $100 million
- I review every file personally
Office Building Loans for Real Situations
If one of these sounds like your week, you are not the only one. Here is how I work each problem when you need office building loans.
Your bank won’t renew because it’s an office building
The property is mostly leased and the payments are current, but your bank has decided it wants less office on its books.
Your practice wants to own instead of rent
You have paid rent for years and the building you want is available. The bank wants a mountain of paperwork before it says anything.
A big tenant just gave notice
One lease is ending and the rest of the building is solid, but your lender treats it as a crisis.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
Call Kevin 7 days a week (Arizona Time).
How Owners and Investors Use Office Building Loans
Most people look for office building loans when something has changed: a purchase, a maturing note, a project that needs capital or equity they want to put to work. Here is what each situation usually needs.
Office building financing for a purchase
Office building financing for a purchase is sized on the leases, the tenants and your down payment. Owner-users are reviewed on the business too.
Medical office loans
Medical office loans focus on the practices inside, lease terms and build-out. Capital partners often view medical tenants differently from general office.
Office refinance on a maturing note
An office refinance can replace a loan your bank won’t renew. I show capital partners the real occupancy and the lease rollover.
Owner-user office buildings
If your business occupies the building, office building loans can include SBA 504 or conventional owner-user structures.
Whatever the reason, the best office building loans are the ones that fit your plan for the property. A loan that looks cheap on paper can cost more if the term, the prepayment rules or the reserves do not match what you are trying to do. I start with your goal, then shop the office building loans that match it.
What Capital Partners Look At on Office Building Loans
Every capital partner has its own guidelines, but most office building loans are reviewed on the same core questions. Knowing them before you apply saves time and surprises.
- Leases and tenants: credit, term and rollover
- Occupancy: leased, vacant or owner occupied
- Location and class: the submarket and the building
- Tenant improvements: costs to re-lease
- Your cash in the deal: down payment and reserves
- Your experience: office properties you own
- Credit and history: personal credit, plus any past bankruptcy, foreclosure or default
- The paper trail: leases, operating statements and title
If one of these is weak, it does not automatically end the deal. It changes which capital partners fit. That is the work I do on office building loans before your file goes out.
My Process for Office Building Loans
- You call or click. Call Kevin 7 days a week (Arizona Time) at (480) 915-8690, or start the application. Tell me the real story of the deal, including the parts that worry you.
- You apply once. The commercial real estate loan application takes about five minutes, and estimates are fine. After you submit, you can upload documents to a secure link.
- I review the file personally. I look for what a capital partner will question and fix the story before it goes out.
- I match the deal. I take your request for office building loans to the capital partners in my 200+ network whose guidelines fit your property, purpose and profile.
- You compare terms. I walk you through each option in plain English, including costs and conditions.
- I stay with you to closing. I stay on the file through appraisal, underwriting and closing, so you are not left chasing updates.
Call Kevin 7 days a week (Arizona Time).
Gather these first
To get a quote, capital partners usually want a mortgage statement or the purchase contract, the rent roll and leases if there are tenants, 12 months of operating history, photos of the property, a personal financial statement, a schedule of real estate owned and two months of bank statements. Don’t have everything yet? Start your application anyway. You can send the rest later.
Why Use a Broker for Office Building Loans
A bank can only offer its own loan. A broker can compare many. I am a nationwide commercial loan broker, not a lender, and I work for you. My job is to know which capital partners are lending on office building loans right now, and to present your deal so it gets a fair look. Don’t Beg the Bank!
“Kevin works for you, not the lender. Having your full financial picture up front lets him match you with the capital partners that fit your situation best, out of 200+, so you don’t have to apply over and over.”
- Need $150,000 or more
- Have a property, a contract or a real project
- Can share income, expenses and your financial picture
- Want options, not a single take-it-or-leave-it offer
- Need less than $150,000
- Are buying a primary residence
- Want a promise of approval before anyone sees the file
- Are not ready to share documents
Just Funded: Real Commercial Real Estate Deals
Want proof? These are real deals from my Just Funded posts. Read the full story behind each one.
Call Kevin 7 days a week (Arizona Time).
Office Building Loans FAQ
What are office building loans?
Office building loans finance the purchase or refinance of office property, from single-tenant buildings to multi-tenant and medical office, investor owned or owner occupied.
Are medical office loans different?
Often, yes. Medical office loans look at the practices, the specialized build-out and the lease terms, and some capital partners prefer medical tenants.
Can I get an office refinance if my bank won’t renew?
Often, yes. Other capital partners still lend on office. An office refinance is sized on occupancy, leases and value.
What does office building financing need for a quote?
Usually the rent roll and leases, operating history, the purchase contract or mortgage statement, photos, a personal financial statement and a schedule of real estate owned.
What is the minimum for office building loans through you?
The minimum loan is $150,000. Loans can go up to $100 million depending on the property, the deal and your file.
Is approval certain if I apply?
No. Every file is subject to credit approval, and rates and terms depend on the property, the deal and your file. What I can promise is a personal review and a straight answer.
Do you work in every state?
Yes, I work nationwide in all 50 states. Call Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
Other Commercial Real Estate Loans
Need a different property type? See all commercial real estate loans, or pick a program below.
Ready to Talk About Your Office Building Loans?
A bank gives you an answer. As your loan broker, I give you options.
Tell me what the bank would not hear. I review every file personally. Call Kevin 7 days a week (Arizona Time). Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
Subject to credit approval. Terms vary. This is not a commitment to lend.