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Commercial Real Estate Loans

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Advantages of CRE Loans

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Make owning CRE affordable

Any credit score can qualify

Short and long-term loans are available

Choose fixed or variable rate financing

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Commercial Real Estate Loan Overview

As a business grows, so do its needs. In the beginning, it may be small enough to operate out of a home. When it outgrows that space, the business might move to a rental office or warehouse property. But property use terms, uncooperative landowners, and rate hikes can make renting space a headache. When it’s time to grow beyond renting and start growing equity, it’s time to seek a commercial real estate loan. CRE loans make commercial real estate affordable by breaking the upfront costs into manageable payments. When you own property for your business, you can make structural changes, design improvements, and customizations as needed without waiting for approval from another landowner. Real estate builds equity over time, acting as an asset the business can leverage for future financing. Business real estate loans build credit and allow businesses to better manage their working capital. To find out more about commercial property loans, contact a broker for options.

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Strategies for Effective Fund Utilization in CRE

How to Effectively
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There are many types of CRE loans designed for different types of properties. Investment property loans fund the purchase of income-generating properties like hotels, offices, and multifamily housing. Short-term CRE loans can be used to buy fix & flip properties, folding in the cost of renovations. Business acquisition loans can also include the purchase of property that comes with the new business. CRE loans have shorter terms than residential loans and amortization periods that often exceed the loan term. This reduces the cost of the loan payments, with the remaining interest due at the end of the loan. To learn more, ask your broker.

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Invest

When you want to invest in income-earning properties, let a CRE loan make it easier. CRE loans give you the financing you need to cover the upfront cost of investing and can be paid off as soon as the property begins to flourish. Use an ARV loan to get extra capital so you can force appreciation with upgrades.

Flip

For fix and flip investing, a traditional commercial loan just won’t cut it. Fix and flip loans have an accelerated approval process so you can close quickly on the deal you want. The loans are short-term, so you won’t be locked into a mortgage for decades to come.

Occupy

CRE loans help businesses purchase “buy and hold” properties that they can use to headquarter their operations or hold a branch. If your business needs a home of its own, you can get discounted rates on commercial real estate loans, build equity, and discover tax advantages. Ask a broker for details.

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FAQ

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Q. How are commercial and residential loans different?

CRE loans are used by businesses to purchase commercial properties like office buildings, retail spaces, and warehouses. While multifamily housing can be purchased with CRE loans, single-family residences typically cannot. Residential mortgages usually have a 30-year term, but commercial mortgages are much shorter. Because of the value of commercial property, loans for CRE are usually larger loans. To learn more, contact your broker.

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Q. Can I use a CRE loan to buy rental properties?

The answer depends on what type of rental properties you’re interested in. CRE loans can be used for commercial properties you intend to rent out to tenants, whether those tenants are other businesses or individuals. However, single-family homes are not typically financed with CRE loans.

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Q. What advantages do loans have over buying with cash?

Even if your company can afford to purchase CRE with cash, CRE loans have several advantages. CRE loans save your company capital that it can use to invest in interest-earning investments or additional properties. Loans can help you increase revenue faster with less initial cash outlay.

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Q. How do I qualify for a CRE loan?

To qualify for a CRE loan, speak with a professional broker who can show you options based on your proposed asset class, your credit history, and time in business. You’ll also receive information on how to best prepare your loan application so you’re not wasting time with the wrong lenders. Every business has different needs, so don’t go with a one-size-fits-all loan. Even if your credit score isn’t what you wish it was, a broker can help position you for the best rates on CRE financing.