Commercial Real Estate Financing in New Jersey | NJ Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of New Jersey. Current commercial loan rates in New Jersey range from 5.25% to 16.74%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of NJ. We also have a dedicated page for apartment loans in New Jersey.

New Jersey Commercial Loans

New Jersey Commercial Loan Rates

Commercial Loan Types Average New Jersey Rates LTV Loan Amount Occupancy
Conventional 5.74% - 8.83% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 6.37% - 7.64% 75% $2,000,000+ Investment
Insurance 5.83% - 7.83% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 5.37% - 6.22% 83.3% $5,000,000+ Investment
USDA 6.25% - 9.25% 85% $1,000,000+ Investment + Owner Occupied
Bridge 7.74% - 16.74% 80% $1,500,000+ Investment
Construction 7.75% - 12.75% 83.3% $1,000,000+ Investment
SBA 5.25% - 8.75% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in New Jersey

Investment Property Mortgages

The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in New Jersey

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Locations Served in New Jersey

We are proud to be serving the state of New Jersey. Here are our commercial loan statistics for this state.

New Jersey Cities and Towns Served

147

New Jersey Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for NJ below to help you understand what kind of market you are in. Simply click one of the options below to see the data for NJ. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following New Jersey cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided New Jersey economic reports to get a better understanding of your market.

  • Absecon
  • Allendale
  • Allentown
  • Alloway
  • Alpha
  • Alpine
  • Annandale
  • Asbury Park
  • Ashland
  • Atco
  • Atlantic City
  • Atlantic County
  • Atlantic Highlands
  • Audubon
  • Audubon Park
  • Avalon
  • Avenel
  • Avon-by-the-Sea
  • Barnegat
  • Barrington
  • Bayonne
  • Bayville
  • Beach Haven
  • Beach Haven West
  • Beachwood
  • Beattystown
  • Beckett
  • Bedminster
  • Belford
  • Belleville
  • Bellmawr
  • Belmar
  • Belvidere
  • Bergen County
  • Bergenfield
  • Berkeley Heights
  • Berlin
  • Bernardsville
  • Beverly
  • Blackwood
  • Bloomfield
  • Bloomingdale
  • Bogota
  • Boonton
  • Bordentown
  • Bound Brook
  • Bradley Beach
  • Bradley Gardens
  • Brass Castle
  • Bridgeton
  • Bridgewater
  • Brielle
  • Brigantine
  • Brookdale
  • Brooklawn
  • Browns Mills
  • Brownville
  • Budd Lake
  • Buena
  • Burlington
  • Burlington County
  • Butler
  • Caldwell
  • Califon
  • Camden
  • Camden County
  • Cape May
  • Cape May County
  • Cape May Court House
  • Carlstadt
  • Carneys Point
  • Carteret
  • Cedar Glen Lakes
  • Cedar Glen West
  • Cedar Grove
  • Chatham
  • Cherry Hill
  • Cherry Hill Mall
  • Chesilhurst
  • Chester
  • Cinnaminson
  • Clark
  • Clayton
  • Clearbrook Park
  • Clementon
  • Cliffside Park
  • Cliffwood Beach
  • Clifton
  • Clinton
  • Closter
  • Collings Lakes
  • Collingswood
  • Colonia
  • Concordia
  • Country Lake Estates
  • Cranbury
  • Crandon Lakes
  • Cranford
  • Cresskill
  • Crestwood Village
  • Cumberland County
  • Dayton
  • Delanco
  • Demarest
  • Dover
  • Dover Beaches North
  • Dover Beaches South
  • Dumont
  • Dunellen
  • East Brunswick
  • East Franklin
  • East Freehold
  • East Hanover
  • East Newark
  • East Orange
  • East Rutherford
  • Eatontown
  • Echelon
  • Edgewater
  • Edgewater Park
  • Edison
  • Egg Harbor City
  • Elizabeth
  • Ellisburg
  • Elmer
  • Elmwood Park
  • Elwood
  • Emerson
  • Englewood
  • Englewood Cliffs
  • Englishtown
  • Erma
  • Essex County
  • Essex Fells
  • Estell Manor
  • Ewing
  • Fair Haven
  • Fair Lawn
  • Fairfield
  • Fairton
  • Fairview
  • Fanwood
  • Farmingdale
  • Finderne
  • Flemington
  • Florence
  • Florham Park
  • Folsom
  • Fords
  • Forked River
  • Fort Dix
  • Fort Lee
  • Franklin
  • Franklin Center
  • Franklin Lakes
  • Franklin Park
  • Freehold
  • Frenchtown
  • Garfield
  • Garwood
  • Gibbsboro
  • Gibbstown
  • Gladstone
  • Glassboro
  • Glen Gardner
  • Glen Ridge
  • Glen Rock
  • Glendora
  • Gloucester City
  • Gloucester County
  • Golden Triangle
  • Green Knoll
  • Greentree
  • Groveville
  • Guttenberg
  • Hackensack
  • Hackettstown
  • Haddon Heights
  • Haddonfield
  • Haledon
  • Hamburg
  • Hamilton Square
  • Hammonton
  • Hampton
  • Hanover
  • Hardwick
  • Harrington Park
  • Harrison
  • Hasbrouck Heights
  • Haworth
  • Hawthorne
  • Heathcote
  • Helmetta
  • High Bridge
  • Highland Lake
  • Highland Park
  • Highlands
  • Hightstown
  • Hillsdale
  • Hillside
  • Ho-Ho-Kus
  • Hoboken
  • Holiday City South
  • Holiday City-Berkeley
  • Holiday Heights
  • Hopatcong
  • Hopatcong Hills
  • Hopewell
  • Hudson County
  • Hunterdon County
  • Irvington
  • Iselin
  • Island Heights
  • Jackson
  • Jamesburg
  • Jersey City
  • Keansburg
  • Kearny
  • Kendall Park
  • Kenilworth
  • Kenvil
  • Keyport
  • Kingston
  • Kingston Estates
  • Kinnelon
  • Lake Como
  • Lake Mohawk
  • Lake Telemark
  • Lakehurst
  • Lakewood
  • Lambertville
  • Landing
  • Laurel Lake
  • Laurel Springs
  • Laurence Harbor
  • Lavallette
  • Lawnside
  • Lawrenceville
  • Lebanon
  • Leisure Knoll
  • Leisure Village
  • Leisure Village East
  • Leisure Village West-Pine Lake Park
  • Leisuretowne
  • Leonardo
  • Leonia
  • Lincoln Park
  • Lincroft
  • Linden
  • Lindenwold
  • Linwood
  • Little Falls
  • Little Ferry
  • Little Silver
  • Livingston
  • Lodi
  • Long Branch
  • Long Valley
  • Lyndhurst
  • Madison
  • Madison Park
  • Magnolia
  • Mahwah
  • Manahawkin
  • Manasquan
  • Manville
  • Maple Shade
  • Maplewood
  • Margate City
  • Marlboro
  • Marlton
  • Martinsville
  • Matawan
  • Mays Landing
  • Maywood
  • McGuire AFB
  • Medford Lakes
  • Mendham
  • Mercer County
  • Mercerville
  • Mercerville-Hamilton Square
  • Merchantville
  • Metuchen
  • Middlebush
  • Middlesex
  • Middlesex County
  • Midland Park
  • Milford
  • Milltown
  • Millville
  • Monmouth Beach
  • Monmouth County
  • Monmouth Junction
  • Montclair
  • Montvale
  • Moonachie
  • Moorestown-Lenola
  • Morganville
  • Morris County
  • Morris Plains
  • Morristown
  • Mount Arlington
  • Mount Ephraim
  • Mount Holly
  • Mount Laurel
  • Mountain Lakes
  • Mountainside
  • Mullica Hill
  • Mystic Island
  • National Park
  • Navesink
  • Neptune City
  • Netcong
  • New Brunswick
  • New Egypt
  • New Milford
  • New Providence
  • Newark
  • Newfield
  • Newton
  • North Arlington
  • North Beach Haven
  • North Bergen
  • North Caldwell
  • North Cape May
  • North Haledon
  • North Middletown
  • North Plainfield
  • North Wildwood
  • Northfield
  • Northvale
  • Norwood
  • Nutley
  • Oak Valley
  • Oakhurst
  • Oakland
  • Oaklyn
  • Ocean Acres
  • Ocean City
  • Ocean County
  • Ocean Gate
  • Ocean Grove
  • Oceanport
  • Ogdensburg
  • Old Bridge
  • Old Tappan
  • Olivet
  • Oradell
  • Orange
  • Oxford
  • Palisades Park
  • Palmyra
  • Paramus
  • Park Ridge
  • Parsippany
  • Passaic
  • Passaic County
  • Paterson
  • Paulsboro
  • Peapack
  • Pemberton
  • Pemberton Heights
  • Pennington
  • Penns Grove
  • Pennsauken
  • Pennsville
  • Perth Amboy
  • Phillipsburg
  • Pine Beach
  • Pine Hill
  • Pine Lake Park
  • Pine Ridge at Crestwood
  • Piscataway
  • Pitman
  • Plainfield
  • Plainsboro Center
  • Pleasantville
  • Point Pleasant
  • Point Pleasant Beach
  • Pomona
  • Pompton Lakes
  • Port Monmouth
  • Port Norris
  • Port Reading
  • Port Republic
  • Presidential Lakes Estates
  • Princeton
  • Princeton Junction
  • Princeton Meadows
  • Prospect Park
  • Rahway
  • Ramblewood
  • Ramsey
  • Ramtown
  • Randolph
  • Raritan
  • Red Bank
  • Richwood
  • Ridgefield
  • Ridgefield Park
  • Ridgewood
  • Ringwood
  • Rio Grande
  • River Edge
  • River Vale
  • Riverdale
  • Riverton
  • Robbinsville
  • Robertsville
  • Rochelle Park
  • Rockaway
  • Roebling
  • Roseland
  • Roselle
  • Roselle Park
  • Rosenhayn
  • Rossmoor
  • Rumson
  • Runnemede
  • Rutherford
  • Saddle Brook
  • Saddle River
  • Salem
  • Salem County
  • Sayreville
  • Sayreville Junction
  • Scotch Plains
  • Sea Bright
  • Sea Girt
  • Sea Isle City
  • Seabrook Farms
  • Seaside Heights
  • Seaside Park
  • Secaucus
  • Sewaren
  • Shark River Hills
  • Ship Bottom
  • Short Hills
  • Shrewsbury
  • Sicklerville
  • Silver Ridge
  • Singac
  • Sixmile Run
  • Smithville
  • Society Hill
  • Somerdale
  • Somers Point
  • Somerset
  • Somerset County
  • Somerville
  • South Amboy
  • South Belmar
  • South Bound Brook
  • South Old Bridge
  • South Orange
  • South Plainfield
  • South River
  • South Toms River
  • South Vineland
  • Sparta
  • Spotswood
  • Spring Lake
  • Spring Lake Heights
  • Springdale
  • Springfield
  • Stanhope
  • Stratford
  • Strathmore
  • Succasunna
  • Summit
  • Surf City
  • Sussex
  • Sussex County
  • Swedesboro
  • Teaneck
  • Ten Mile Run
  • Tenafly
  • Tinton Falls
  • Toms River
  • Totowa
  • Trenton
  • Tuckerton
  • Turnersville
  • Twin Rivers
  • Union
  • Union Beach
  • Union City
  • Union County
  • Upper Montclair
  • Upper Pohatcong
  • Upper Saddle River
  • Ventnor City
  • Vernon Center
  • Vernon Valley
  • Verona
  • Victory Gardens
  • Victory Lakes
  • Villas
  • Vincentown
  • Vineland
  • Vista Center
  • Voorhees
  • Waldwick
  • Wallington
  • Wanamassa
  • Wanaque
  • Waretown
  • Warren County
  • Warren Township
  • Washington
  • Watchung
  • Wayne
  • Weehawken
  • Wenonah
  • West Belmar
  • West Cape May
  • West Freehold
  • West Long Branch
  • West Milford
  • West New York
  • West Orange
  • Westfield
  • Weston
  • Westville
  • Westwood
  • Wharton
  • White Horse
  • White Meadow Lake
  • Whitehouse Station
  • Whitesboro
  • Whitesboro-Burleigh
  • Whittingham
  • Wildwood
  • Wildwood Crest
  • Williamstown
  • Willingboro
  • Winfield
  • Wood-Lynne
  • Wood-Ridge
  • Woodbine
  • Woodbridge
  • Woodbury
  • Woodbury Heights
  • Woodcliff Lake
  • Woodland Park
  • Woodstown
  • Wyckoff
  • Yardville
  • Yorketown

NJ Commercial Loan Reviews

What do you like best about your experience with CLD?

VERY PROFESSIONAL, PATIENCE, VERY KNOWLEDGEABLE AND PUT YOU AT EASE.

Farag - Assisted Financing in Elizabethtown, NJ

What do you like best about your experience with CLD?

[loan officer] was very knowledgeable and went out of her way to help. Excellent customer service she was great and went out of her way to help me!

Crystal - Auto-dealership Financing in Brick, NJ

How would you rate our online services? 

Excellent

How would you rate the responsiveness of your loan officer?
Excellent

Marco - Mixed Use Financing in , NJ

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