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Our Simple 3-Step Process
Step 1. Submit a Quote Request
Your Loan Specialist will work with you to understand the property you wish to finance as well as your investment strategy.
Step 2. Selection
Your transaction will be matched with the top loan programs that best fit your request.
Step 3. Closing
Third party reports are ordered. Once all items on your pre-closing checklist have been accepted, the loan is closed.
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Success Stories
See how we've helped borrowers across the country close complex deals and reach their goals.
SBA 7(a)
New Ace Hardware Franchise Financing
CLD was most helpful from answering my initial questions to the follow up... We would not have been able to start this business without CLD.
CMBS
Apartment Refinance — 332 Units
I had a tremendously good experience with CLD and especially with my loan specialist — she identified the ideal loan program and handled everything professionally.
Conventional
Student Housing Refinancing — 181 Units
I felt confident through the process that things were under control, that my interests were protected — always a pleasure to work with.
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Check out our loan options
Apartment
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Mixed Use
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Retail
Self Storage
Other
Conventional Owner Occupied Commercial Loans
Built for owner-occupied properties that want maximum leverage and lower upfront closing costs.
- Up to 80% leverage with competitive conventional rates for owner-occupants.
- Flexible terms from 3 to 15 years to match your business planning horizon.
- Broad eligibility across all major commercial property types.
- Amortization up to 30 years keeping monthly payments manageable.
SBA Owner Occupied Commercial Loans
Built for owner-occupants who want high-leverage, government-backed SBA financing with longer terms and lower down payments on their business property.
- Up to 90% leverage through SBA backing so you keep more working capital.
- Terms up to 25 years for low, predictable monthly payments.
- Eligible across all major commercial property types for owner-occupants.
- Lower down payment requirements than conventional alternatives.
USDA Owner Occupied Commercial Loans
Built for owner-occupants in rural and suburban markets seeking high-leverage, government-backed financing with flexible terms on their business property.
- Up to 85% leverage with government-backed USDA rates for business owners.
- Eligible across a wide range of commercial property types.
- Flexible terms from 5 to 15 years in rural and suburban markets.
- Amortization up to 30 years reducing your monthly debt service.
SBA Construction Owner Occupied Commercial Loans
Built for owner-occupants who need SBA-backed construction financing to build out or expand their business property with lower down payment requirements.
- SBA-backed construction financing with lower down payment requirements.
- Build or expand your business facility with government-supported terms.
- Up to 80% loan-to-cost keeping your cash reserves intact during construction.
- Available for medical, office, retail, industrial, and mixed-use properties.
Conventional Construction Owner Occupied Commercial Loans
Built for owner-occupants developing or expanding commercial properties who want conventional construction financing with straightforward terms.
- Conventional construction financing with straightforward underwriting.
- Up to 70% loan-to-cost for owner-occupied commercial builds.
- Broad property type eligibility including apartments and industrial.
- Clear transition path from construction draw to permanent debt upon completion.
SBA7A Owner Occupied Commercial Loans
Built for owner-occupants who want flexible SBA 7(a) financing with longer repayment terms and the ability to finance business expenses alongside real estate.
- SBA 7(a) flexibility to finance real estate and business expenses in one loan.
- Terms from 10 to 20 years with up to 85% leverage for owner-occupants.
- Ability to include working capital, equipment, and other business costs.
- Available nationwide across all major commercial property types.
SBA504 Owner Occupied Commercial Loans
Built for owner-occupants who want maximum leverage through SBA 504 financing with low fixed rates and long-term stability on their business property.
- Up to 90% leverage through SBA 504 keeping your down payment as low as 10%.
- Low fixed rates with terms from 10 to 25 years for long-term stability.
- No lender origination fee on the CDC portion reducing your closing costs.
- Available nationwide for qualified owner-occupied commercial properties.
Conventional Investment Commercial Loans
Built for investors seeking reliable, long-term financing on stabilized commercial properties with competitive rates and flexible term options.
- Competitive fixed and floating rate options on stabilized assets.
- Flexible terms from 3 to 15 years to match your hold strategy.
- Broad property type eligibility across all major commercial sectors.
- Loan amounts starting at $1M with up to 75% leverage.
CMBS Investment Commercial Loans
Built for investors acquiring or refinancing large stabilized commercial assets who want non-recourse financing with longer amortization schedules.
- Non-recourse structure that shields your personal assets from liability.
- Fixed-rate certainty with terms from 5 to 10 years.
- Higher leverage available on strong, stabilized commercial properties.
- Long amortization schedules up to 30 years for lower monthly payments.
Insurance Investment Commercial Loans
Built for institutional-quality investors with strong, stabilized assets seeking the lowest fixed rates and long-term certainty on larger loan balances.
- Lowest fixed rates in the market from institutional insurance capital.
- Terms up to 30 years for long-term payment certainty.
- Flexible amortization from 15 to 30 years to optimize cash flow.
- Ideal for well-stabilized assets with strong tenancy and credit.
FHA / HUD Investment Commercial Loans
Built for investors in multifamily and healthcare properties who want government-backed, fully amortizing loans with the highest leverage and longest terms available.
- Up to 83% leverage reducing your required equity contribution.
- Fully amortizing terms up to 40 years with no balloon payment.
- Government-insured low fixed rates that stay predictable for decades.
- Eligible for multifamily, healthcare, and affordable housing properties.
USDA Investment Commercial Loans
Built for investors in rural and suburban markets who want high-leverage, government-backed financing with flexible terms on a wide range of property types.
- Up to 85% leverage keeping more cash in your pocket at closing.
- Government-backed rates lower than conventional alternatives.
- Eligible across all major commercial property types nationwide.
- Flexible terms from 5 to 15 years with amortization up to 30 years.
Bridge Investment Commercial Loans
Built for investors who need fast, short-term capital to acquire, reposition, or stabilize a commercial property before securing permanent financing.
- Fast funding on short timelines to capture time-sensitive opportunities.
- Flexible 1 to 3 year terms designed for repositioning and stabilization.
- Available for a wide range of commercial property types.
- Bridge to permanent financing with no long-term commitment required.
Construction Investment Commercial Loans
Built for investors developing new commercial properties from the ground up who need short-term financing to cover construction costs before transitioning to permanent debt.
- Draw-based funding so you only pay interest on disbursed amounts.
- Short-term 1 to 3 year terms that align with your construction timeline.
- Available across all major commercial property types.
- Up to 75% loan-to-cost to keep your equity contribution manageable.
Fannie Mae Multifamily Commercial Loans
Built for apartment investors seeking competitive agency rates, high leverage, and flexible prepayment options on stabilized multifamily properties.
- Agency-backed rates with up to 80% leverage on apartments.
- Flexible terms from 3 to 30 years to match any hold period.
- Flexible prepayment options including yield maintenance and step-downs.
- Streamlined process with standardized underwriting for faster closings.
Freddie Mac Multifamily Commercial Loans
Built for apartment investors who want maximum leverage, long fully amortizing terms, and rate-locked certainty backed by Freddie Mac's streamlined process.
- Up to 85% leverage with Freddie Mac's streamlined apartment program.
- Fully amortizing 30-year terms that build equity from day one.
- Competitive fixed rates backed by a government-sponsored enterprise.
- Standardized underwriting for a faster, more predictable closing process.
FHA / HUD Multifamily Commercial Loans
Built for multifamily owners seeking the highest leverage, longest terms, and fully amortizing government-insured loans with low fixed rates.
- Government-insured low fixed rates locked in for up to 40 years.
- Fully amortizing terms with no balloon payment at maturity.
- Up to 80% leverage reducing your upfront equity requirement.
- Available for market-rate, affordable, and senior multifamily properties.
CMBS Multifamily Commercial Loans
Built for apartment investors looking for non-recourse financing on larger stabilized multifamily assets with competitive fixed rates and flexible terms.
- Non-recourse financing that protects your personal assets on larger deals.
- Fixed-rate terms from 5 to 30 years with competitive spreads.
- Long amortization up to 30 years for lower monthly debt service.
- Suited for stabilized apartment assets with strong occupancy.
Conventional Multifamily Commercial Loans
Built for apartment investors who want straightforward, flexible financing with a wide range of term and amortization options on stabilized multifamily properties.
- Widest range of term options from 3 to 30 years for apartments.
- Amortization as short as 10 years for faster equity buildup.
- Competitive rates with flexible structure from portfolio lenders.
- Lower loan minimums starting at $1M for smaller multifamily deals.
Insurance Multifamily Commercial Loans
Built for apartment investors with strong, institutional-quality multifamily assets who want the lowest fixed rates and long-term stability from an insurance company lender.
- Lowest fixed rates available through institutional insurance capital.
- Terms up to 30 years with long-term rate certainty.
- Amortization from 10 to 30 years to match your cash flow strategy.
- Ideal for institutional-quality apartment assets with stable performance.
USDA Multifamily Commercial Loans
Built for apartment investors in rural and suburban areas who want high-leverage, government-backed financing with flexible terms on stabilized multifamily properties.
- Up to 85% leverage with government-backed USDA rates for apartments.
- Flexible terms from 3 to 30 years in rural and suburban markets.
- Lower loan minimums starting at $1M for smaller multifamily properties.
- Amortization up to 30 years keeping monthly payments affordable.
Construction Multifamily Commercial Loans
Built for multifamily developers who need construction-to-permanent financing to build new apartment projects with high leverage and competitive rates.
- Up to 80% loan-to-cost financing for new apartment construction.
- Terms from 3 to 15 years covering build through initial stabilization.
- Clear conversion path to permanent financing upon project completion.
- Lower loan minimums starting at $1M for smaller multifamily developments.
Bridge Multifamily Commercial Loans
Built for apartment investors who need fast, short-term capital to acquire or reposition a multifamily property before securing long-term permanent financing.
- Fast, short-term capital with 1 to 3 year terms for apartment repositioning.
- Up to 80% leverage to minimize your equity in transitional deals.
- Flexible structure with no prepayment penalty for early payoff.
- Designed to bridge the gap until permanent agency or CMBS financing.
FHA Construction Loans Multifamily Commercial Loans
Built for multifamily developers seeking government-insured construction-to-permanent financing with the highest leverage, longest terms, and a single streamlined close.
- Up to 83% leverage with government-insured construction-to-permanent financing.
- Single close eliminates refinance risk and locks your rate from the start.
- Fully amortizing terms up to 40 years for the lowest monthly payments.
- Ideal for ground-up apartment developments with long-term hold strategies.
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