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.
Listed below are a few resources that may be beneficial in your understanding of commercial loans and how they work.
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.
For current commercial mortgage rates you can visit our commercial loan rates page or our apartment loan rates page if the property is multifamily.
The types of commercial loans available are listed as follows:
To find out what type of loan you may qualify for, you may visit our loan finder tool.
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.
business professionals, CPAs, attorneys, financial planners, etc. can affiliate with Commercial Loan Direct to earn fee income by referring commercial real estate transactions.
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NOI is the annual income generated by a property after taking into account all income collected from operations, and deducting all expenses incurred from operations. Use our calculator toy calculate your Net Operating Income.
Description: Conventional commercial loans for apartments and commercial real estate properties offered nationwide.
Use our commercial loan rates graphs to see how the key markey interest rates are trending.
We provide office commercial loans at low rates. Office commercial loans include conventional, CMBS, insurance, USDA, bridge, construction, and SBS commercial loans.
Apply for a commercial loan, apartment loan & multifamily mortgage. Lowest fixed rates available. No points and low closing fees. Apartment financing simplified.
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.
Get notified when commercial loan rates change. We currently support push, email, and text notifications. Be the first to know when the rates change.
