Commercial Real Estate Funding
Finance your owner-occupied commercial property with competitive 25-year terms at Prime + 2.75%. Whether you're purchasing your first business property or refinancing an existing one, we specialize in CRE loans for active operating businesses.
A commercial real estate loan finances the purchase or refinance of business property. Growth Fund Partners funds owner-occupied and investment CRE from $100K to $5M with terms up to 25 years and rates starting near Prime + 2.75%. Owner-occupied buildings (51%+ occupancy) qualify for the lowest rates and down payments.
How commercial real estate lending works
A commercial real estate loan finances the purchase, refinance, or renovation of business property. The building itself serves as collateral, and the lender evaluates both the property\u2019s income potential and your business\u2019s ability to service the debt. Because a physical asset backs the loan, terms can stretch to 25 years with competitive rates\u2014far more favorable than most unsecured business credit.
Underwriting centers on three pillars: property value (confirmed by a commercial appraisal), debt-service coverage ratio (your net operating income divided by total debt payments), and your business\u2019s financial track record. Owner-occupied buildings\u2014where your company uses at least 51 percent of the space\u2014qualify for the best pricing, including access to SBA 504 loans with down payments as low as 10 percent.
Growth Fund Partners structures CRE financing from $100,000 to $5 million through our bank network, matching each deal to the lender whose appetite, rate, and structure best fit the property type and borrower profile.
When CRE financing is the right move
If your business pays rent every month, you are already servicing real estate debt\u2014it is just someone else\u2019s. Purchasing your building turns that expense into equity and gives you control over your operating environment. The most common situations include:
- Purchasing an owner-occupied building. Medical offices, retail locations, warehouses, manufacturing plants, and professional offices where your business occupies 51 percent or more of the space.
- Refinancing to better terms. Replace a short-term or high-rate loan with a 25-year structure that improves monthly cash flow.
- Expanding into additional space. Acquire a second location or a larger facility as revenue grows.
- Investment property acquisitions. Multi-family and mixed-use buildings financed at market rates when owner-occupancy does not apply.
A quick example
A dental practice paying $8,000 a month in rent finds a $1.2 million building in the same area. With an SBA 504 loan requiring just 10 percent down ($120,000), the monthly payment is comparable to the current lease\u2014except now the dentist is building equity, locking in occupancy costs, and creating an asset that can be sold or leased when she eventually retires.
Commercial Real Estate Loan Programs
Financing for owner-occupied buildings, investment properties, and multi-family apartment complexes.
Owner-Occupied Commercial Real Estate Loans
Finance the Building Your Business Calls Home
Investment Property Commercial Loans
Financing for Non-Owner-Occupied Commercial Assets
Multi-Family Property Loans
Apartment & Multi-Family Investment Financing
Rates & Terms
Transparent, current terms for this program. Final pricing depends on the deal, collateral, and borrower profile.
| Loan amount | $100,000 – $5,000,000+ |
|---|---|
| Interest rate | From Prime + 2.75% (Prime is 6.75%, July 2026) |
| Loan term | Up to 25 years |
| Down payment | 20% – 30% (as low as 10% owner-occupied via SBA 504) |
| Owner occupancy | 51%+ for owner-occupied pricing |
| Time to close | 30 – 60 days |
Conventional CRE Loan vs. SBA 504
| Feature | Conventional CRE Loan | SBA 504 |
|---|---|---|
| Down payment | 20% – 30% | As low as 10% |
| Max term | Up to 25 years | Up to 25 years (fixed) |
| Rate type | Fixed or variable | Below-market fixed |
| Eligible use | Owner-occupied & investment | Owner-occupied only (51%+) |
| Speed | 30 – 60 days | 45 – 90 days |
| Best for | Investors & fast closings | Owner-users preserving cash |
Process & Timeline
A straightforward path from first conversation to funded — with no surprises along the way.
Pre-qualification (Day 1–3)
Share the property address, purchase price, and recent business financials. We return preliminary rate and structure options within a few business days.
Full application (Day 3–7)
Submit tax returns, balance sheets, and a rent roll (if applicable). We package the file for our bank network.
Appraisal & environmental (Day 7–21)
We order a commercial appraisal and, for most properties, a Phase I environmental report. Timelines depend on property complexity.
Underwriting & conditions (Day 14–35)
The bank underwrites property cash flow, occupancy, and your debt-service coverage ratio. We clear any conditions in parallel.
Title & closing prep (Day 28–50)
Title work, survey review, and loan document preparation. We coordinate with your attorney or title company.
Close & fund (Day 30–60)
You sign, funds are wired, and the deed records. SBA 504 closings may run 45 to 90 days due to the CDC layer.
Sources & Market Data
- U.S. commercial real estate lending reached roughly $706 billion in 2025, up 40% year over year, with a further 27% rise forecast for 2026. Mortgage Bankers Association, CREF Forecast (February 2026).
- Rates are priced over the U.S. prime rate of 6.75%. Federal Reserve, Selected Interest Rates (H.15) (July 2026).
What to watch out for
Commercial real estate loans are long-term commitments, and a few details can make a meaningful difference over 10 to 25 years. Make sure you understand whether your rate is fixed for the full term or adjusts after an initial period\u2014a \u201Cfixed\u201D five-year rate that resets can surprise you at renewal.
Balloon payments are another common feature in conventional CRE loans. A 25-year amortization with a 10-year balloon means your monthly payment is calculated as if you had 25 years to repay, but the remaining balance comes due at year 10. Plan your refinance well in advance. SBA loans avoid this with fully amortizing terms\u2014no balloon.
Finally, environmental liability follows the property, not the seller. A Phase I environmental report is standard for most CRE transactions and protects you from inheriting cleanup costs. For a deeper look at CRE financing strategies and qualification criteria, read our commercial real estate financing guide.
Frequently Asked Questions
Straight answers to the questions borrowers ask us most.
You can borrow from $100,000 to $5 million for commercial real estate through Growth Fund Partners. Loan amounts depend on the property value, your business cash flow, and the loan-to-value ratio. Larger transactions may be considered case by case for well-qualified borrowers.
Most commercial real estate loans require a credit score of 660 or higher, though the property's income and your business finances carry significant weight. Strong cash flow, a healthy down payment, and solid tenant leases can offset a lower score in many cases.
Expect to put down roughly 20% to 30% of the purchase price for commercial real estate. Owner-occupied properties often qualify for lower down payments, especially through SBA-backed options, while investment properties typically require more equity to offset lender risk.
Rates on our commercial real estate loans start around Prime plus 2.75%, varying with your credit, property type, occupancy, and loan term. Both fixed and variable structures are available, and owner-occupied properties usually earn better pricing than investment or special-use buildings.
Terms run up to 25 years, with amortization schedules that keep monthly payments manageable. Longer terms lower your payment and improve cash flow, while shorter terms reduce total interest. We structure the term around your property type and long-term business plans.
To qualify as owner-occupied, your business must occupy at least 51% of the property's square footage. Owner-occupied status unlocks better rates and lower down payments, including SBA 504 financing. Properties below that threshold are treated as investment real estate with different terms.
Ready to Finance Your Commercial Property?
Our CRE specialists can guide you through the process and help determine if your property and business qualify.