Commercial Real Estate Financing in Rhode Island | RI Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Rhode Island. Current commercial loan rates in Rhode Island range from 5.58% to 15.2%, 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 RI. We also have a dedicated page for apartment loans in Rhode Island.

Rhode Island Commercial Loans

Rhode Island Commercial Loan Rates

Commercial Loan Types Average Rhode Island Rates LTV Loan Amount Occupancy
Conventional 6.07% - 10.70% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 6.08% - 7.69% 75% $2,000,000+ Investment
Insurance 5.58% - 8.09% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 5.57% - 6.42% 83.3% $5,000,000+ Investment
USDA 6.70% - 11.70% 85% $1,000,000+ Investment + Owner Occupied
Bridge 6.70% - 14.70% 80% $1,500,000+ Investment
Construction 10.20% - 15.20% 83.3% $1,000,000+ Investment
SBA 6.20% - 11.20% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in Rhode Island

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 Rhode Island

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 Rhode Island

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

Rhode Island Cities and Towns Served


Rhode Island Economic Data

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



Lending Cities

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

  • Ashaway
  • Barrington
  • Bradford
  • Bristol
  • Bristol County
  • Central Falls
  • Charlestown
  • Chepachet
  • Coventry
  • Cranston
  • Cumberland
  • Cumberland Hill
  • East Greenwich
  • East Providence
  • Exeter
  • Foster
  • Greenville
  • Harrisville
  • Hope Valley
  • Hopkinton
  • Jamestown
  • Johnston
  • Kent County
  • Kingston
  • Lincoln
  • Melville
  • Middletown
  • Narragansett
  • Narragansett Pier
  • New Shoreham
  • Newport
  • Newport County
  • Newport East
  • North Kingstown
  • North Providence
  • North Scituate
  • North Smithfield
  • Pascoag
  • Pawtucket
  • Portsmouth
  • Providence
  • Providence County
  • Smithfield
  • South Kingstown
  • Tiverton
  • Valley Falls
  • Wakefield-Peacedale
  • Warren
  • Warwick
  • Washington County
  • West Greenwich
  • West Warwick
  • Westerly
  • Woonsocket