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Commercial Real Estate Financing

Capital for your next commercial property decision.

Finance a purchase, refinancing, or property improvement around the asset, operating income, and long-term plan.

Discuss Commercial Real Estate Financing
Product Overview
StructureProperty-secured financing
Typical useOwner-occupied and eligible property
RepaymentLonger amortization
CollateralThe property
How it works

What shapes a property loan.

Property valueAppraised basis
Loan compared with property valueLoan relative to value
Property operating incomeIncome after operating expense
Income available for loan paymentsNOI vs debt service
OccupancyOwner-occupied or leased
Repayment scheduleRepayment horizon

Appraisal and environmental review inform the final structure.

Property financing uses

  • Property acquisition
  • Refinance
  • Owner-occupied commercial property
  • Investment-related business property where eligible
  • Renovation
  • Expansion
  • Bridge-to-permanent structures

How the review works

Commercial real estate underwriting considers the property, its use, and the business profile. Structures range from acquisition and refinance to bridge-to-permanent, depending on the objective.

We do not promise specific loan-to-value ratios or rates. Actual structure depends on verified program information, the property, and underwriting.
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Calculated from your inputs. Excludes fees and any balloon payment; actual financing terms are set in the written offer.

Underwriting focus

What the property review covers.

Not every factor applies to every request, but these are the areas that commonly shape a decision.

Revenue & cash flowHow consistently money moves through the business.
Operating historyTime in business and track record.
Existing obligationsCurrent financing and debt service load.
Credit profileBusiness, and where applicable personal, credit.
CollateralAvailable assets or equity, where the structure uses them.
Use of fundsWhat the capital is for and how it supports the business.
Banking activityDeposits, account activity, and recent business statements.
IndustryThe business model and the industry it operates in.

Typical situations

  • Purchasing owner-occupied property
  • Refinancing existing property
  • Buildout or renovation
  • Bridge to permanent financing
Potential advantages
  • Longer amortization can support cash flow
  • Owner-occupied property may open more options
  • Can move from bridge to permanent as plans firm up
Important considerations
  • Property value and leverage matter
  • Cash-flow or DSCR concepts may apply
  • Appraisal and, where applicable, environmental review add time
When another structure may fit

Commercial real estate financing is property-secured and longer-term. A bridge structure can precede permanent financing when timing requires it.

Keep exploring

Related financing solutions

SBA & Long-Term Financing

For owner-occupied property with longer amortization.

Explore

Asset-Backed Financing

When other business assets support the structure.

Explore

Bridge Financing

When timing requires a short position before permanent financing.

Explore
Before you apply

Prepare Property Documentation

  • Property type and owner-occupied vs investment
  • Rent roll or occupancy detail
  • Recent appraisal or valuation
  • Operating income and expenses (for DSCR)
Related property structures
SBA / Long-Term Bridge Financing
FAQ

Frequently Asked Questions

Financing for eligible owner-occupied and business-related commercial property, including purchase, refinance, or buildout.
Property your business primarily operates from, as opposed to purely investment property. Owner-occupied property may open more options.
Property value and leverage matter, and concepts like loan-to-value or debt-service coverage may apply. Appraisal and, where relevant, environmental review add time.
Often, yes. Refinancing eligible owner-occupied or business property is a common use, subject to property value, cash flow, and underwriting.

Have a question about your business? Start a financing request and our team will follow up.

LIVC Business Intelligence

Review the terms behind the decision.

Product structures, repayment considerations, and dated policy updates in one place.

View relevant research

Move the property request forward.

Provide the property details, transaction terms, income, and financing objective.

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