Commercial Real Estate Financing in North Carolina | NC Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of North Carolina. Current commercial loan rates in North Carolina range from 3.1% to 15.33%, 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 NC. We also have a dedicated page for apartment loans in North Carolina.

North Carolina Commercial Loans

North Carolina Commercial Loan Rates

Commercial Loan Types Average North Carolina Rates LTV Loan Amount Occupancy
Conventional 4.33% - 8.30% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.90% - 6.92% 75% $2,000,000+ Investment
Insurance 5.30% - 7.41% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 4.92% - 5.77% 83.3% $5,000,000+ Investment
USDA 4.10% - 7.10% 85% $1,000,000+ Investment + Owner Occupied
Bridge 6.33% - 15.33% 80% $1,500,000+ Investment
Construction 5.60% - 10.60% 83.3% $1,000,000+ Investment
SBA 3.10% - 6.60% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in North Carolina

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 North Carolina

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 North Carolina

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

North Carolina Cities and Towns Served

107

North Carolina Economic Data

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

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following North Carolina 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 North Carolina economic reports to get a better understanding of your market.

  • Aberdeen
  • Advance
  • Ahoskie
  • Alamance County
  • Albemarle
  • Alexander County
  • Alleghany County
  • Andrews
  • Angier
  • Anson County
  • Apex
  • Archdale
  • Archer Lodge
  • Ashe County
  • Asheboro
  • Asheville
  • Atlantic Beach
  • Avery County
  • Avery Creek
  • Ayden
  • Badin
  • Bakersville
  • Balfour
  • Banner Elk
  • Barker Heights
  • Bayboro
  • Bayshore
  • Beaufort
  • Beaufort County
  • Belhaven
  • Belmont
  • Belville
  • Benson
  • Bent Creek
  • Bermuda Run
  • Bertie County
  • Bessemer City
  • Bethel
  • Bethlehem
  • Beulaville
  • Biltmore Forest
  • Biscoe
  • Black Mountain
  • Bladen County
  • Bladenboro
  • Blowing Rock
  • Boiling Spring Lakes
  • Boiling Springs
  • Bolivia
  • Boone
  • Boonville
  • Brevard
  • Brices Creek
  • Broad Creek
  • Broadway
  • Brogden
  • Brunswick
  • Brunswick County
  • Bryson City
  • Buies Creek
  • Buncombe County
  • Burgaw
  • Burke County
  • Burlington
  • Burnsville
  • Butner
  • Buxton
  • Cabarrus County
  • Cajahs Mountain
  • Calabash
  • Caldwell County
  • Camden
  • Camden County
  • Canton
  • Cape Carteret
  • Carolina Beach
  • Carolina Shores
  • Carrboro
  • Carteret County
  • Carthage
  • Cary
  • Castle Hayne
  • Caswell County
  • Catawba County
  • Cedar Point
  • Chadbourn
  • Chapel Hill
  • Charlotte
  • Chatham County
  • Cherokee
  • Cherokee County
  • Cherryville
  • China Grove
  • Chowan County
  • Claremont
  • Clay County
  • Clayton
  • Clemmons
  • Cleveland County
  • Clinton
  • Clyde
  • Coats
  • Columbia
  • Columbus
  • Columbus County
  • Concord
  • Connelly Springs
  • Conover
  • Cordova
  • Cornelius
  • Cove Creek
  • Cramerton
  • Craven County
  • Creedmoor
  • Cricket
  • Cullowhee
  • Cumberland County
  • Currituck
  • Currituck County
  • Dallas
  • Dana
  • Danbury
  • Dare County
  • Davidson
  • Davidson County
  • Davie County
  • Denton
  • Denver
  • Dobson
  • Drexel
  • Dunn
  • Duplin County
  • Durham
  • Durham County
  • East Flat Rock
  • East Rockingham
  • East Spencer
  • Eastover
  • Eden
  • Edenton
  • Edgecombe County
  • Edneyville
  • Elizabeth City
  • Elizabethtown
  • Elkin
  • Ellerbe
  • Elm City
  • Elon
  • Elroy
  • Emerald Isle
  • Enfield
  • Enochville
  • Erwin
  • Etowah
  • Fairfield Harbour
  • Fairmont
  • Fairplains
  • Fairview
  • Farmville
  • Fayetteville
  • Fearrington Village
  • Flat Rock
  • Fletcher
  • Forest City
  • Forest Oaks
  • Forsyth County
  • Fort Bragg
  • Foscoe
  • Four Oaks
  • Franklin
  • Franklin County
  • Franklinton
  • Franklinville
  • Fremont
  • Fruitland
  • Fuquay-Varina
  • Gamewell
  • Garner
  • Gaston
  • Gaston County
  • Gastonia
  • Gates County
  • Gatesville
  • Gibsonville
  • Glen Alpine
  • Glen Raven
  • Goldsboro
  • Gorman
  • Graham
  • Graham County
  • Granite Falls
  • Granite Quarry
  • Granville County
  • Green Level
  • Greene County
  • Greensboro
  • Greenville
  • Grifton
  • Guilford County
  • Half Moon
  • Halifax
  • Halifax County
  • Hamlet
  • Hampstead
  • Harkers Island
  • Harnett County
  • Harrisburg
  • Havelock
  • Haw River
  • Hayesville
  • Hays
  • Haywood County
  • Hazelwood
  • Hemby Bridge
  • Henderson
  • Henderson County
  • Hendersonville
  • Hertford
  • Hertford County
  • Hickory
  • High Point
  • Hildebran
  • Hillsborough
  • Hoke County
  • Holly Ridge
  • Holly Springs
  • Hoopers Creek
  • Hope Mills
  • Horse Shoe
  • Hudson
  • Huntersville
  • Hyde County
  • Icard
  • Indian Trail
  • Iredell County
  • Jackson
  • Jackson County
  • Jacksonville
  • James City
  • Jamestown
  • Jefferson
  • Johnston County
  • Jones County
  • Jonesville
  • Kannapolis
  • Kenansville
  • Kenly
  • Kernersville
  • Kill Devil Hills
  • King
  • Kings Grant
  • Kings Mountain
  • Kinston
  • Kitty Hawk
  • Knightdale
  • Kure Beach
  • La Grange
  • Lake Junaluska
  • Lake Lure
  • Lake Norman of Catawba
  • Lake Park
  • Lake Waccamaw
  • Landis
  • Laurel Hill
  • Laurel Park
  • Laurinburg
  • Lee County
  • Leland
  • Lenoir
  • Lenoir County
  • Lewisville
  • Lexington
  • Liberty
  • Lillington
  • Lincoln County
  • Lincolnton
  • Locust
  • Long Beach
  • Longview
  • Louisburg
  • Lowell
  • Lowesville
  • Lucama
  • Lumberton
  • Macon County
  • Madison
  • Madison County
  • Maggie Valley
  • Maiden
  • Manteo
  • Mar-Mac
  • Marion
  • Mars Hill
  • Marshall
  • Marshville
  • Martin County
  • Marvin
  • Masonboro
  • Matthews
  • Maury
  • Maxton
  • Mayodan
  • Maysville
  • McDowell County
  • McLeansville
  • Mebane
  • Mecklenburg County
  • Midland
  • Midway
  • Millers Creek
  • Mills River
  • Mineral Springs
  • Mint Hill
  • Mitchell County
  • Mocksville
  • Monroe
  • Montgomery County
  • Moore County
  • Mooresville
  • Moravian Falls
  • Morehead City
  • Morganton
  • Morrisville
  • Mount Airy
  • Mount Gilead
  • Mount Holly
  • Mount Olive
  • Mount Pleasant
  • Mountain Home
  • Mountain View
  • Moyock
  • Mulberry
  • Murfreesboro
  • Murphy
  • Murraysville
  • Myrtle Grove
  • Nags Head
  • Nash County
  • Nashville
  • Navassa
  • Neuse Forest
  • New Bern
  • New Hanover County
  • Newland
  • Newport
  • Newton
  • Norlina
  • North Wilkesboro
  • Northampton County
  • Northchase
  • Northlakes
  • Norwood
  • Oak Island
  • Oak Ridge
  • Oakboro
  • Ogden
  • Onslow County
  • Orange County
  • Oxford
  • Pamlico County
  • Pasquotank County
  • Pembroke
  • Pender County
  • Perquimans County
  • Person County
  • Pilot Mountain
  • Pine Knoll Shores
  • Pine Level
  • Pinebluff
  • Pinehurst
  • Pinetops
  • Pineville
  • Piney Green
  • Pitt County
  • Pittsboro
  • Plain View
  • Pleasant Garden
  • Pleasant Hill
  • Plymouth
  • Polk County
  • Polkton
  • Princeton
  • Princeville
  • Pumpkin Center
  • Raeford
  • Raleigh
  • Ramseur
  • Randleman
  • Randolph County
  • Ranlo
  • Red Oak
  • Red Springs
  • Reidsville
  • Rhodhiss
  • Richlands
  • Richmond County
  • River Bend
  • River Road
  • Roanoke Rapids
  • Robbins
  • Robbinsville
  • Robersonville
  • Robeson County
  • Rockfish
  • Rockingham
  • Rockingham County
  • Rockwell
  • Rocky Mount
  • Rocky Point
  • Rolesville
  • Rose Hill
  • Roseboro
  • Rowan County
  • Rowland
  • Roxboro
  • Royal Pines
  • Rural Hall
  • Rutherford College
  • Rutherford County
  • Rutherfordton
  • Saint James
  • Saint Pauls
  • Saint Stephens
  • Salem
  • Salisbury
  • Sampson County
  • Sanford
  • Sawmills
  • Saxapahaw
  • Scotland County
  • Scotland Neck
  • Scotts Mill
  • Sea Breeze
  • Seagate
  • Selma
  • Seven Lakes
  • Shallotte
  • Sharpsburg
  • Shelby
  • Sherrills Ford
  • Siler City
  • Silver Lake
  • Skippers Corner
  • Smithfield
  • Sneads Ferry
  • Snow Hill
  • South Gastonia
  • South Henderson
  • South Rosemary
  • Southern Pines
  • Southern Shores
  • Southmont
  • Southport
  • Sparta
  • Spencer
  • Spindale
  • Spring Hope
  • Spring Lake
  • Spruce Pine
  • Stallings
  • Stanfield
  • Stanley
  • Stanly County
  • Statesville
  • Stedman
  • Stokes County
  • Stokesdale
  • Stoneville
  • Stony Point
  • Summerfield
  • Sunset Beach
  • Surf City
  • Surry County
  • Swain County
  • Swannanoa
  • Swanquarter
  • Swansboro
  • Swepsonville
  • Sylva
  • Tabor City
  • Tarboro
  • Taylorsville
  • Thomasville
  • Thurmond
  • Toast
  • Tobaccoville
  • Transylvania County
  • Trent Woods
  • Trenton
  • Trinity
  • Troutman
  • Troy
  • Tryon
  • Tyro
  • Tyrrell County
  • Union County
  • Unionville
  • Valdese
  • Valley Hill
  • Vance County
  • Vander
  • Wadesboro
  • Wake County
  • Wake Forest
  • Walkertown
  • Wallace
  • Wallburg
  • Walnut Cove
  • Wanchese
  • Warren County
  • Warrenton
  • Warsaw
  • Washington
  • Washington County
  • Watauga County
  • Waxhaw
  • Wayne County
  • Waynesville
  • Weaverville
  • Weddington
  • Welcome
  • Weldon
  • Wendell
  • Wentworth
  • Wesley Chapel
  • West Canton
  • West Jefferson
  • West Marion
  • West Raleigh
  • Westport
  • Whispering Pines
  • White Plains
  • Whiteville
  • Wilkes County
  • Wilkesboro
  • Williamston
  • Wilmington
  • Wilson
  • Wilson County
  • Wilsons Mills
  • Windsor
  • Wingate
  • Winston-Salem
  • Winterville
  • Winton
  • Woodfin
  • Wrightsboro
  • Wrightsville Beach
  • Yadkin County
  • Yadkinville
  • Yancey County
  • Yanceyville
  • Youngsville
  • Zebulon
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