Commercial real estate loans finance the purchase, refinance or cash-out of income-producing and owner-occupied properties such as office buildings, retail centers, industrial and warehouse space, mixed-use buildings, medical offices, self-storage and more. Lenders look closely at the property’s income, the strength of the asset and your business plan, along with your experience as a borrower.
Cambridge Capital works with investors and business owners to structure commercial financing that fits the property and the plan. Call 800-826-5077 or read more about our commercial real estate loans to discuss your deal.
You provide the property details, its income and expenses, and your goal: purchase, refinance or cash-out. We review the net operating income (NOI), the value of the property and your experience, then structure the loan around leverage, rate, term and amortization. Many commercial loans have a term shorter than the amortization period, so a balance may remain at maturity and be paid off by a sale or refinance.
Enter the property details to estimate the loan, the annual debt service and the key ratios lenders review, including DSCR, debt yield and cash-on-cash return. The rate and leverage shown are examples, not an offer.
| Estimated loan amount | |
| Down payment (equity required) | |
| Monthly payment | |
| Annual debt service | |
| Cap rate (NOI ÷ price) | |
| Debt yield (NOI ÷ loan) | |
| Annual cash flow after debt service | |
| Cash-on-cash return |
This estimator is for illustration only. Actual leverage, rates, terms and approval depend on the property type, location, tenants, financials and borrower profile. Closing costs and reserves are not included.
| Feature | Commercial Real Estate Loan | Traditional Bank Loan | SBA 504 / 7(a) | Bridge / Hard Money |
|---|---|---|---|---|
| Best for | Investors and owner-users of commercial property | Established borrowers with strong financials | Owner-occupied business properties | Fast closings and transitional properties |
| Approval based on | Property income, value and borrower experience | Property plus detailed borrower financials | Business financials and owner occupancy | Property value and exit plan |
| Time to close | Weeks | 45 to 90 days | 60 to 120 days | As few as 5 days |
| Term | Medium to long term | 5 to 10 years, with balloon | 10 to 25 years | 6 to 24 months |
| Documentation | Property and borrower financials | Extensive | Extensive | Light |
| Cost | Moderate | Often lowest rate | Competitive, with program fees | Highest rate and points |
The right loan depends on your timeline, the property and your plan. If you need to close fast and refinance later, a bridge loan can bring you to the closing table, and a permanent commercial loan can take over after the property is stabilized.
Commercial loans suit investors buying leased office, retail or industrial properties, business owners who want to buy the building they operate from, landlords refinancing a maturing loan, investors pulling equity out of a stabilized property, and developers adding income-producing assets. If your goal is to own commercial property for the long term, this is where to start.
Not sure which loan fits your plan? Explore our other investment property programs:
Complete the application above or call 800-826-5077. Tell us about the property, its income and your goal, and we will help you structure the right loan.
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