What is the Definition of Commercial Loan?

Commercial Loan


Definition: A commercial loan is a loan between a business and a bank to fund capital expenditures and/or operating costs. Commercial loans come in two forms - owner-occupied mortgages and investment mortgages. If the property's sponsor(s) use over 50 percent of the building's useable square footage, the commercial loan is said to be a owner-occupied commercial loan. Otherwise the commercial loan is considered to be an investment mortgage. To be considered a commercial loan the property being funded must be zoned commercial and not residential.

Additional Info

Listed below are a few resources that may be beneficial in your understanding of commercial loans and how they work.

How To Get A Commercial Loan

For information on how to qualify for a commercial loan please visit our 5 steps to get a commercial loan article. For other questions in the requirements of getting a commercial loan, you may also visit our faqs page, or send us a message through our contact form

What Are the Commercial Loan Rates?

For current commercial mortgage rates you can visit our commercial loan rates page or our apartment loan rates page if the property is multifamily. 

What Are the Types of Commercial Loans?

The types of commercial loans available are listed as follows:

What Type of Loan Do I Qualify For?

To find out what type of loan you may qualify for, you may visit our loan finder tool

How do I Apply for a Commercial Loan?

To apply for a commercial loan, simply fill out our free quote request. You may also use our free commercial loan forms during the process to help expedite your loan application.

Pages that Mention Commercial Loan

Contact Commercial Loan Direct - Commercial Mortgage Lender Offering Commercial Loans & Apartment Loans

Contact Commercial Loan Direct Mortgage Lender Offering Commercial Loans & Apartment Loans

Affiliates and Referrals - professionals - working with Commercial Loan Direct

business professionals, CPAs, attorneys, financial planners, etc. can affiliate with Commercial Loan Direct to earn fee income by referring commercial real estate transactions.

Yield Maintenance Prepayment Penalty Calculator

Calculate your yield maintenance prepayment penalty using our online calculator. We provide a variety of commercial loan calculators to commercial real estate investors.

Mixed Use Commercial Loans | Mixed Use Property Financing | Commercial Loan Direct

Mixed use commercial mortgages and loans by Commercial Loan Direct. Our Company strives to offer the lowest commercial mortgage rates in the marketplace. Mortgage lender offering mixed use property financing

Usda Commercial Loans

Usda Commercial Loans News Posts

Commercial Loan Direct - Equipment Loan Application

Equipment Loan Application - Commercial Loan Direct

DSCR Calculator - Calculate Debt Service Coverage Ratio

Calculate your debt service coverage ratio for commercial loans. Use our calculator to calculate the NOI needed for a selected DSCR.

Commercial Loan Direct - Frequently Asked Questions

Commercial Loan Direct - Frequently Asked Questions

Website owners and webmasters affiliate program - Commercial Loan Direct

Affiliates and referrals for webmasters and website owners program by Commercial Loan Direct - join one of the best paid programs on the internet

Types of Commercial Loans

Learn about the different types of commercial loans and real estate lending programs offered by CLD with our loan finder. CLD provides Fannie Mae, Freddie Mac, FHA, CMBS, Conventional, Insurance, USDA, SBA, Bridge, and Construction Loans.

Other Definitions