EN ES AR FA ZH VI TL PS
510-786-8739 Schedule Zoom | CA DRE #01480904 · NMLS #300923
Home/Commercial/Commercial Real Estate
Office · Retail · Industrial · Multifamily · Nationwide

Commercial Real Estate Loans —
Every Property Type. Every Market.

From a single tenant retail strip to a 50-unit apartment building — we finance commercial real estate nationwide with competitive rates, experienced underwriting, and a team that understands investment property at every level.

Apply Now → Call 510-786-8739
Program Overview

Commercial RE at a Glance

75%
Max LTV
Most property types
$50M+
Max Loan
No upper limit on right deals
50
Days
Avg commercial close
20-30
Yr Amort
Available on select programs
Nationwide
Coverage
All 50 states
DSCR
Qualification
Property cash flow
Property Types

What We Finance

Office Buildings
Single tenant and multi-tenant. Class A, B, and C. Urban and suburban markets. Up to 75% LTV.
Retail / Strip Centers
Anchored and unanchored retail. Single tenant NNN. Mixed-use retail/residential. Up to 70% LTV.
Industrial / Warehouse
Light industrial, flex space, distribution centers, cold storage. Up to 75% LTV.
Multifamily (5+ Units)
Apartment buildings 5 units and above. Agency and non-agency programs. 20-30 year amortization.
Mixed-Use Properties
Residential over retail, live-work spaces, and other hybrid property types. Up to 70% LTV.
Self-Storage
Climate controlled and standard units. Strong cash flow properties preferred. Up to 65% LTV.
Hotels / Hospitality
Franchise and independent hotels. SBA programs available. Strong operator track record required.
Special Purpose
Churches, daycares, auto facilities, and other special purpose properties on a case-by-case basis.
Loan Programs

Financing Options

Conventional Commercial
Bank and institutional financing. 5, 7, 10-year fixed periods with 20-25 year amortization. DSCR typically 1.25x minimum. Best rates for stabilized properties.
DSCR Commercial
Qualify on the property's net operating income. No personal income verification. Ideal for investors with complex personal financials.
Bridge / Hard Money
Short-term 12-36 month financing for acquisitions, renovations, and value-add projects. Fast close — sometimes 2-3 weeks. Interest only available.
SBA 504 / 7(a)
Government-backed financing for owner-occupied commercial real estate. Lower down payment (10%), fixed rates, 25-year terms. Learn more →
Foreign National Commercial
No US credit required. Overseas investors welcome. DSCR qualification on property cash flow. Available nationwide.
Common Questions

Commercial Real Estate Loan FAQs

What is the minimum down payment for commercial real estate?
Typically 25-35% down (65-75% LTV) for investment commercial properties. Owner-occupied properties through SBA programs can go as low as 10% down. We structure the deal to minimize your cash out of pocket.
How is commercial loan qualification different from residential?
Commercial loans qualify primarily on the property's income (DSCR) and the borrower's creditworthiness and net worth. Personal income is less critical — the property's ability to service the debt is the primary focus.
What is DSCR and what ratio do lenders require?
Debt Service Coverage Ratio measures net operating income vs debt payments. Most conventional commercial lenders require 1.25x DSCR minimum. Some bridge lenders will go below 1.0x for value-add scenarios.
How long does a commercial loan take to close?
Our average commercial close is 50 days from application. Bridge/hard money loans can close in 2-3 weeks. Conventional commercial typically takes 45-60 days depending on appraisal and underwriting complexity.
Are commercial loans available for out-of-state properties?
Yes — we finance commercial real estate nationwide. We have lender relationships in all major markets and can structure deals from California to New York and everywhere in between.
Can I refinance my commercial property to pull out equity?
Yes — commercial cash-out refinances are available. LTV limits apply (typically 65-70% on cash-out). Great for funding property improvements, acquiring additional properties, or business capital.

Ready to Finance Your Commercial Deal?

Our commercial team has closed deals in every major market. Submit your deal and we'll respond with a term sheet within 24 hours.

Apply Now → Call 510-786-8739
CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Commercial Financing Available Nationwide
MIA — Mortgage Intelligence Assistant
Online · SI MTG Team
Hi! I'm MIA, your SI MTG mortgage assistant. I can help you find the right loan program, explain rates, or get you started. What can I help you with today?
Just now
SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
function translateTo(lang){ document.querySelectorAll('.tb-lang').forEach(function(l){l.classList.remove('active');}); event.target.classList.add('active'); if(lang==='en'){ document.cookie='googtrans=; expires=Thu, 01 Jan 1970 00:00:01 GMT; path=/; domain=.simtg.com'; document.cookie='googtrans=; expires=Thu, 01 Jan 1970 00:00:01 GMT; path=/'; window.location.href='https://simtg.com'+window.location.pathname; return; } var url='https://translate.google.com/translate?sl=en&tl='+lang+'&u='+encodeURIComponent('https://simtg.com'+window.location.pathname); window.open(url,'_blank'); }