Business Capital Advisors
Commercial Real Estate Loans
Buy, refinance, or pull equity out of commercial property.
Financing secured by the property itself: retail, warehouse, office, mixed use, auto service, and residential rental from 1-4 units up to 5+ unit multifamily. Purchase, rate-and-term refinance, cash-out refinance, second lien, delayed financing on a recent cash purchase, ground-up construction, and blanket portfolio loans. We structure the request, package the file, and place it with the lender whose box actually fits the property, the occupancy, and the exit.
Is this the right product?
Structured around your business, not a one-size offer.
It fits when
- Owner-occupiers buying or refinancing the building their business operates from
- Investors holding leased retail, warehouse, office, mixed use, or multifamily
- Owners who bought with cash in the last 12 months and want that capital back
- Portfolios that would rather close one blanket loan than several separate ones
Look elsewhere when
- This-week money; appraisal, title, and environmental review take weeks
- An owner-occupied primary residence, which is a consumer mortgage rather than this
- Ground-up construction with no plans, permits, or contractor in place
How to qualify
- A property that appraises and supports the debt; occupancy and lease quality weigh as heavily as your credit
- Credit is banded rather than pass or fail, and files below 620 still place, at a price
- Documented income or property cash flow: W-2, self-employed returns, or rent roll and operating statements
- Equity or down payment sized to the loan-to-value ceiling for that property type
What you'll need
- Purchase contract or current mortgage statement, plus property insurance
- Rent roll and leases for tenanted property, and operating statements where available
- Personal and business tax returns, plus a personal financial statement
- Entity documents for the title-holding company and identity documents for each guarantor
Cost and timeline
Illustrative structure, not an offer: a $1M purchase at 70% loan-to-value is a $700K loan against $300K down, amortized over 25 years with a balloon at year 5 or 10, at a rate set by property type, occupancy, and credit band. Cash-out and vacant properties price above a leased, owner-occupied building. Prepayment penalties are common on commercial paper, so ask about the step-down before signing. All final terms are set by the funding partner after underwriting.
Realistic timeline is 30-45 days on a conventional file, or 15-30 days when the source is a bridge or private lender. Under 15 days exists, but it narrows the lender pool sharply and prices accordingly. Appraisal, title work, and any environmental review set the floor.
Understand the risk before you sign
- The property secures the loan, so default can mean foreclosure and loss of the asset
- A balloon maturity means you must refinance or sell at the end of the term
- Prepayment penalties can make an early exit expensive
- Vacancy or a lost anchor tenant can break the debt-service coverage the loan was underwritten on
- Personal guarantees are common, so business debt can reach personal assets
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Common questions
Commercial Real Estate Loans, answered straight.
What property types can you place?
Retail, warehouse, office, mixed use, auto service, and residential rental from 1-4 units up to 5+ unit multifamily. Owner-occupied and investment both work. Occupancy drives which lenders will look at the file: long-term leased, month to month, short-term rental, partially leased, vacant, or occupied by your own business.
Can I take cash out of a property I already own?
Yes. Cash-out refinance is a standard purpose alongside purchase and rate-and-term refinance. How much depends on appraised value, existing lien balances, and the loan-to-value ceiling the lender applies to that property type and occupancy. Vacant and under-renovation properties are held to tighter ceilings than a leased building.
How fast can a commercial property loan close?
Plan on 30-45 days for a conventional file. Under 15 days is possible through a bridge or private lender when the property and the exit are clean, and you pay for that speed in rate. Appraisal, title work, and any environmental review set the floor, not the paperwork.
I bought the property with cash. Can I still finance it?
Delayed financing covers exactly that. A purchase made with cash in the last 12 months can be refinanced without the usual seasoning wait, which puts your capital back to work instead of leaving it parked in the building.
Can one loan cover several properties?
Yes. Blanket and portfolio structures put multiple properties under a single loan, which is usually cheaper to close and simpler to service than four separate files.
How it works
From hello to funded.
- 01
Tell us what you need
Two minutes, how much, what for, and your monthly revenue. No hard credit pull.
- 02
We structure your options
Your advisor matches your file to the right product and 3-5 vetted funders, not 50.
- 03
Compare real terms
See factor rate or APR, payment, and total cost, all disclosed before you sign anything.
- 04
Get funded
Accept terms, then appraisal, title, and where required environmental review run alongside underwriting. Funds wire at closing, not before.
Other ways we structure capital
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Business Loans
Term capital for growth, expansion, and working capital.
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Business Line of Credit
Flexible revolving capital you draw on as needed.
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Equipment Financing
Finance or lease the equipment your business runs on.
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Asset-Based Financing
Borrow against the assets already on your balance sheet.
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Business HELOC
Turn home equity into low-cost business capital.
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Receivables Financing
Turn unpaid invoices into working capital today.
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Revenue-Based Financing
Fast, flexible funding that flexes with your sales.
Let's structure your commercial real estate loans.
Two minutes to apply. First offers in 24 hours, with every term disclosed before you sign.