Avance Credit
Commercial Real Estate Loans
Nationwide Funding
Multiple Loan Types To Choose From
Fast & Easy Application
Millions To Lend
HOW IT WORKS
Commercial Real Estate Application Process
Buy, Refinance, or Use Your Equity!
01
Complete an Online Application
Submit Your Basic Information
02
Review Financing Options
Lenders Will Review Your Application
03
Funding
Once Approved, Funds Can Be Direct Deposited Into Your Bank Acccount
Why use a commercial real estate loan?
Financing Solutions for Investment Properties, Owner-Occupied Buildings, and Commercial Real Estate Purchases
Whether you're purchasing an office building, retail center, warehouse, apartment complex, mixed-use property, or refinancing existing commercial real estate, the right financing can help you achieve your investment and business goals.
At Avance Credit, we help investors and business owners connect with commercial real estate lenders nationwide. From owner-occupied properties to investment real estate, our lending network offers financing solutions for a wide range of commercial property types.
Our Solutions
What Is a Commercial Real Estate Loan?
A commercial real estate loan is financing used to purchase, refinance, renovate, or develop income-producing or business-use properties.
Unlike residential mortgages, commercial real estate loans are designed for properties used for business purposes or investment income generation.
Commercial real estate financing is commonly used for:
- Office Buildings
- Retail Centers
- Shopping Centers
- Warehouses
- Industrial Properties
- Apartment Buildings
- Mixed-Use Properties
- Self-Storage Facilities
- Medical Buildings
- Hotels
- Commercial Land
These loans can help investors acquire new properties or allow businesses to purchase their own facilities instead of leasing space.
How Do Commercial Real Estate Loans Work?
Commercial real estate loans function similarly to traditional mortgages but are designed specifically for business and investment properties.
Step 1: Property Selection
The borrower identifies the commercial property they wish to purchase or refinance.
Step 2: Loan Application
The lender reviews:
- Property value
- Property income
- Borrower qualifications
- Credit profile
- Business financials
- Investment experience
Step 3: Underwriting Process
The lender evaluates:
- Net Operating Income (NOI)
- Debt Service Coverage Ratio (DSCR)
- Occupancy levels
- Property condition
- Cash flow stability
Step 4: Approval and Closing
Once approved, funds are used to complete the purchase, refinance, or project.
Step 5: Loan Repayment
Borrowers make scheduled monthly payments based on the loan agreement.
Types of Commercial Real Estate Loans
Commercial Property Purchase Loans
Used to acquire owner-occupied or investment properties.
Commercial Real Estate Refinance Loans
Replace an existing mortgage to improve terms, lower payments, or access equity.
SBA Commercial Real Estate Loans
Popular options include:
SBA 7(a) Loans
Can be used for owner-occupied commercial property purchases and refinancing.
SBA 504 Loans
Designed specifically for purchasing owner-occupied commercial real estate and major fixed assets.
DSCR Commercial Loans
Qualification is often based primarily on property cash flow rather than personal income.
Bridge Loans
Short-term financing used while arranging long-term funding or completing property improvements.
Construction Loans
Financing for new commercial development and major renovations.
Commercial Real Estate Loan Requirements
Requirements
Requirements vary by lender, but commonly include:
Property Cash Flow
Lenders evaluate the property's ability to generate income.
Debt Service Coverage Ratio (DSCR)
Many lenders require the property's income to exceed debt obligations by a specified margin.
Down Payment
Commercial loans often require a down payment or equity contribution.
Credit History
Strong credit profiles generally improve financing options.
Business and Financial Documentation
Lenders may request:
- Tax returns
- Bank statements
- Rent rolls
- Property operating statements
- Profit and loss statements
- Personal financial statements
TestimonialS
Fastest Way To Get Cash For your Business
"They process was easy and I got the funding I needed to expand my business."
Kevin S.
Business Owner
"I wanted to start a business and the SBA Loan was a great fit for me."
Jennifer L.
Business Startup
"I needed a business line of credit to keep moving my business forward."
Martha Y.
Business Owner
Benefits of Commercial Real Estate Financing
Build Equity
Own commercial property instead of paying rent.
Generate Investment Income
Acquire income-producing real estate assets.
Long-Term Wealth Creation
Commercial real estate can become a valuable component of an investment portfolio.
Preserve Capital
Finance large purchases instead of using all available cash reserves.
Portfolio Expansion
Acquire additional properties and grow your real estate holdings.
Commercial Real Estate Loans vs Residential Loans
Commercial Loans
- Designed for business and investment properties
- Underwriting emphasizes property cash flow
- Larger loan amounts
- Different qualification standards
- Property performance plays a significant role
Residential Loans
- Designed primarily for owner-occupied homes
- Qualification often emphasizes personal income
- Consumer lending guidelines apply
Commercial properties require specialized financing solutions that differ significantly from residential mortgage programs.
Why Choose Avance Credit?
For more than 10 years, Avance Credit has helped business owners, investors, and entrepreneurs connect with financing solutions nationwide.
What Makes Us Different?
- Nationwide Lending Network
- Commercial Real Estate Financing Specialists
- Purchase and Refinance Programs
- SBA Loan Options Available
- DSCR Financing Programs
- Investment Property Financing
- Fast Online Application
- No Application Fee
Frequently Asked Questions
How much can I borrow?
Loan amounts vary depending on property value, income, borrower qualifications, and lender guidelines.
Can I refinance an existing commercial property?
Yes. Many lenders offer commercial refinance programs.
Do I need a down payment?
Most commercial real estate financing programs require some level of borrower equity or down payment.
What property types qualify?
Many office, retail, industrial, multifamily, mixed-use, medical, and commercial investment properties may qualify.
How quickly can I close?
Closing timelines vary depending on the property, loan program, and lender requirements.
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