Commercial real estate financing for business owners
Buy the building you operate from, refinance it, or release equity for the business. Every request is reviewed case by case.
How it works
Commercial real estate loans are secured by the property. The review looks at the property itself (value, condition, use), your business’s finances and your down payment or equity.
These deals take longer than working capital: appraisals, title and legal work are part of every transaction. Your advisor gives you a realistic timeline at the start.
What owners use it for
- Buying the property your business operates from
- Refinancing an existing commercial mortgage
- Cash-out refinancing to fund the business
- Bridge financing to close on a short timeline
- Mixed-use and multi-tenant properties
- Construction and renovation in select cases
Who it fits
- An established operating business or experienced owner
- A specific property and purchase price, or a current appraisal
- Down payment or equity in the property
- Business financial statements and tax returns
How to apply
Check your eligibility
Amount, monthly revenue, time in business. About 60 seconds, soft pull only.
Send your last four bank statements
Through the secure application. No tax returns or business plan for the first review.
Review your offer and choose
Your advisor sends your offer in writing, with the total cost. Nothing is signed until you decide.
Things to know before you choose
- Timelines are measured in weeks, not hours: appraisal, title and legal work are required.
- Bridge financing is faster and shorter, and usually costs more than a permanent loan.
- Expect more documents than for working capital.
- Your advisor will say plainly if a request is a better fit for your bank.
Commercial real estate: questions owners ask
How much can I borrow?
It’s set case by case from the property value, your equity and the business’s finances.
How long does it take?
Usually several weeks, because of appraisal, title and legal work. Bridge financing can be quicker.
Do you finance investment properties?
Requests for owner-occupied and investment properties are both reviewed. Your advisor tells you early what fits.
What documents will I need?
Typically business bank statements, tax returns, financial statements, and the property details (purchase contract or current mortgage and appraisal).