Commercial Real Estate Financing

Loanable is a marketplace, not a lender. We help small businesses explore commercial real estate (CRE) financing options through funding partners nationwide. Partners underwrite applications; approvals, interest rates, LTV, amortization, and closing timelines vary. This page is educational — not a rate sheet or commitment.

Commercial real estate loans typically fund acquisition, refinance, or eligible improvement of business property. They are a different tool from working-capital products used for payroll and inventory (see /working-capital).

What commercial real estate loans fund

Owners usually evaluate CRE financing when they want to:

• Purchase owner-occupied office, retail, industrial, medical, or warehouse space
• Refinance an existing commercial mortgage
• Fund renovations or tenant improvements (when a partner’s program allows)
• Acquire investment property (partner appetite varies widely)

We do not invent LTV percentages, DSCR cutoffs, or “typical rates.” Those belong in partner disclosures after underwriting.

Owner-occupied vs investment property

Owner-occupied CRE means your operating business occupies a meaningful portion of the property. Many conventional and SBA-oriented conversations start here because the operating company’s strength and the real estate are linked.

Investment property is underwritten more around leases, rent rolls, vacancy, and property cash flow. Eligibility and documentation differ from owner-occupied paths.

State occupancy intent early — it changes which partners and structures are even in play.

Common CRE structures SMBs see

Conventional CRE term financing

Property-focused term financing for purchase or refinance when equity, credit, property type, and global cash flow fit a partner’s box.

SBA 504 and related SBA real estate paths

Frequently discussed for owner-occupied projects with significant fixed assets. This hub gives orientation only; program rules and lender/CDC overlays apply. Use /sba-loans for broader SBA context — do not treat this page as a full 504 guide.

Bridge financing when timing is the constraint

If you need interim capital while a longer CRE close completes, review /bridge-loan. Bridge capital is about timing, not a permanent takeout structure.

Equipment and FF&E as a separate stack

Furniture, fixtures, and equipment are often financed apart from the mortgage. See /equipment-financing.

Operating capital while CRE closes

If the gap is payroll/inventory during a purchase process, compare /line-of-credit or, when sales-based speed matters, a short contrast with /merchant-cash-advance. Those are interim operating tools — not property acquisition loans.

Docs and readiness checklist

Partners differ, but borrowers who move faster usually have:

• Entity documents and ownership schedule
• Business (and sometimes personal) tax returns
• Business bank statements
• Purchase agreement or current mortgage statement (refi)
• Rent roll / lease abstracts for investment or multi-tenant deals
• Renovation budget and bids when improvements are in scope
• Existing debt schedule

No fake turnaround promises — timelines depend on property type, title, appraisals, and partner process.

CRE vs other capital (quick map)

| Need | Start here |

|------|------------|

| Buy / refi business property | This page + /sba-loans / /bridge-loan |

| Day-to-day operating cash | /working-capital, /line-of-credit |

| Fixed operating term (not property-backed) | /term-loans |

| Machines, vehicles, production assets | /equipment-financing |

| Interim cash while CRE closes | /bridge-loan or short WC/MCA contrast |

How a marketplace helps you compare CRE-capable offers

Loanable uses a national marketplace voice — not a fabricated local storefront for “CRE lenders near me.”

1. Apply with business and project basics.
2. Matching routes you toward partners that may support CRE or sensible alternatives.
3. Partners underwrite and decide.

Loanable does not lend and does not guarantee approval or specific terms. Process overview: /how-it-works. Product directory: /financing-types.

FAQ

What are commercial real estate loans?

Financing intended for commercial property acquisition, refinance, or eligible improvements, underwritten by a funding partner against property and borrower strength.

Owner-occupied vs investment — why does it matter?

Occupancy changes risk framing and product eligibility. Owner-occupied deals lean on the operating business; investment deals lean on property cash flow and leases.

How do SBA 504 loans fit CRE?

SBA 504 is commonly associated with owner-occupied fixed-asset projects. Confirm current SBA rules and partner overlays via /sba-loans and underwriting — this page is not a program manual.

Can I use MCA or a LOC to buy commercial property?

Generally no for acquisition itself. MCA and LOC products are usually for operating cash; they may only serve as interim working capital while a CRE close is underway.

Does Loanable provide commercial mortgages directly?

No. Loanable is a marketplace. Funding partners underwrite and fund; terms vary.

What should I prepare before applying?

Entity docs, tax returns, bank statements, purchase/refi documents, and lease/rent-roll materials when relevant. Partner lists vary.

Next step

Apply for a marketplace match. Also review /sba-loans, /bridge-loan, /term-loans, /equipment-financing, and /working-capital based on whether your need is property, interim capital, ops, or equipment.