Commercial Loans Simplified
Get matched with 350+ programs for multifamily, investment, and owner-occupied properties.
Get a Free Quote
Get your personalized solution to access cash, purchase, refinance, and build commercial real estate.
No impact to your credit score for a quote request.
Find the Right Commercial Loan
Click an option below to get a list of commercial loan programs that fit your needs.
Apartment
Hotel
Industrial
Medical
Mixed Use
Office
Retail
Self Storage
Other
Conventional Owner Occupied Commercial Loans
Built for owner-occupied properties that want maximum leverage and lower upfront closing costs.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure is designed to preserve cash, keep monthly payments predictable, and help you move quickly on the right building.
- Up to 80% leverage with competitive conventional rates for owner-occupants.
- Flexible terms from 3 to 15 years to match your business planning horizon.
- Broad eligibility across all major commercial property types.
- Amortization up to 30 years keeping monthly payments manageable.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
SBA Owner Occupied Commercial Loans
Built for owner-occupants who want high-leverage, government-backed SBA financing with longer terms and lower down payments on their business property.
Up to 90% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure puts you in the building with as little as 10% down through SBA backing, keeping your working capital free to invest back into your business.
- Up to 90% leverage through SBA backing so you keep more working capital.
- Terms up to 25 years for low, predictable monthly payments.
- Eligible across all major commercial property types for owner-occupants.
- Lower down payment requirements than conventional alternatives.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
USDA Owner Occupied Commercial Loans
Built for owner-occupants in rural and suburban markets seeking high-leverage, government-backed financing with flexible terms on their business property.
Up to 85% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure gets you government-backed rates and up to 85% leverage in rural and suburban areas, so you keep more cash on hand while securing your business location.
- Up to 85% leverage with government-backed USDA rates for business owners.
- Eligible across a wide range of commercial property types.
- Flexible terms from 5 to 15 years in rural and suburban markets.
- Amortization up to 30 years reducing your monthly debt service.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
SBA Construction Owner Occupied Commercial Loans
Built for owner-occupants who need SBA-backed construction financing to build out or expand their business property with lower down payment requirements.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure lets you build or expand your space with SBA-backed construction financing and lower down payments, so you get the exact facility your business needs without draining reserves.
- SBA-backed construction financing with lower down payment requirements.
- Build or expand your business facility with government-supported terms.
- Up to 80% loan-to-cost keeping your cash reserves intact during construction.
- Available for medical, office, retail, industrial, and mixed-use properties.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
Conventional Construction Owner Occupied Commercial Loans
Built for owner-occupants developing or expanding commercial properties who want conventional construction financing with straightforward terms.
Up to 70% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure gives you straightforward construction financing to build your own space, with conventional terms that transition smoothly into permanent debt once the project is complete.
- Conventional construction financing with straightforward underwriting.
- Up to 70% loan-to-cost for owner-occupied commercial builds.
- Broad property type eligibility including apartments and industrial.
- Clear transition path from construction draw to permanent debt upon completion.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
SBA7A Owner Occupied Commercial Loans
Built for owner-occupants who want flexible SBA 7(a) financing with longer repayment terms and the ability to finance business expenses alongside real estate.
Up to 85% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure gives you the flexibility to finance both real estate and business expenses in one loan with terms up to 20 years, keeping your operations funded while you grow.
- SBA 7(a) flexibility to finance real estate and business expenses in one loan.
- Terms from 10 to 20 years with up to 85% leverage for owner-occupants.
- Ability to include working capital, equipment, and other business costs.
- Available nationwide across all major commercial property types.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
SBA504 Owner Occupied Commercial Loans
Built for owner-occupants who want maximum leverage through SBA 504 financing with low fixed rates and long-term stability on their business property.
Up to 90% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Owner Occupied commercial property
This structure gets you up to 90% leverage with a low fixed rate through SBA 504, keeping your monthly payment predictable and your down payment as small as possible.
- Up to 90% leverage through SBA 504 keeping your down payment as low as 10%.
- Low fixed rates with terms from 10 to 25 years for long-term stability.
- No lender origination fee on the CDC portion reducing your closing costs.
- Available nationwide for qualified owner-occupied commercial properties.
Best suited for strong borrowers seeking to finance an owner-occupied commercial property.
Conventional Investment Commercial Loans
Built for investors seeking reliable, long-term financing on stabilized commercial properties with competitive rates and flexible term options.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure gives you flexible terms up to 15 years, competitive rates on stabilized assets, and a streamlined process that closes faster than most alternatives.
- Competitive fixed and floating rate options on stabilized assets.
- Flexible terms from 3 to 15 years to match your hold strategy.
- Broad property type eligibility across all major commercial sectors.
- Loan amounts starting at $1M with up to 75% leverage.
Best suited for strong borrowers seeking to finance an investment commercial property.
CMBS Investment Commercial Loans
Built for investors acquiring or refinancing large stabilized commercial assets who want non-recourse financing with longer amortization schedules.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure locks in a fixed rate with non-recourse protection, so your personal assets stay shielded while your property cash flows on predictable terms.
- Non-recourse structure that shields your personal assets from liability.
- Fixed-rate certainty with terms from 5 to 10 years.
- Higher leverage available on strong, stabilized commercial properties.
- Long amortization schedules up to 30 years for lower monthly payments.
Best suited for strong borrowers seeking to finance an investment commercial property.
Insurance Investment Commercial Loans
Built for institutional-quality investors with strong, stabilized assets seeking the lowest fixed rates and long-term certainty on larger loan balances.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure delivers the lowest fixed rates in the market with terms up to 30 years, giving you long-term cost certainty that's hard to match anywhere else.
- Lowest fixed rates in the market from institutional insurance capital.
- Terms up to 30 years for long-term payment certainty.
- Flexible amortization from 15 to 30 years to optimize cash flow.
- Ideal for well-stabilized assets with strong tenancy and credit.
Best suited for strong borrowers seeking to finance an investment commercial property.
FHA / HUD Investment Commercial Loans
Built for investors in multifamily and healthcare properties who want government-backed, fully amortizing loans with the highest leverage and longest terms available.
Up to 83% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure offers up to 83% leverage with fully amortizing terms up to 40 years, meaning lower monthly payments and no balloon payment surprises down the road.
- Up to 83% leverage reducing your required equity contribution.
- Fully amortizing terms up to 40 years with no balloon payment.
- Government-insured low fixed rates that stay predictable for decades.
- Eligible for multifamily, healthcare, and affordable housing properties.
Best suited for strong borrowers seeking to finance an investment commercial property.
USDA Investment Commercial Loans
Built for investors in rural and suburban markets who want high-leverage, government-backed financing with flexible terms on a wide range of property types.
Up to 85% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure gets you up to 85% leverage with government-backed rates, keeping your out-of-pocket costs low and your cash reserves intact for property improvements.
- Up to 85% leverage keeping more cash in your pocket at closing.
- Government-backed rates lower than conventional alternatives.
- Eligible across all major commercial property types nationwide.
- Flexible terms from 5 to 15 years with amortization up to 30 years.
Best suited for strong borrowers seeking to finance an investment commercial property.
Bridge Investment Commercial Loans
Built for investors who need fast, short-term capital to acquire, reposition, or stabilize a commercial property before securing permanent financing.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure gets you funded fast with short-term capital so you can close on a time-sensitive deal and stabilize the property before locking in permanent financing.
- Fast funding on short timelines to capture time-sensitive opportunities.
- Flexible 1 to 3 year terms designed for repositioning and stabilization.
- Available for a wide range of commercial property types.
- Bridge to permanent financing with no long-term commitment required.
Best suited for strong borrowers seeking to finance an investment commercial property.
Construction Investment Commercial Loans
Built for investors developing new commercial properties from the ground up who need short-term financing to cover construction costs before transitioning to permanent debt.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for an Investment commercial property
This structure finances your build from the ground up with draw-based funding, so you only pay interest on what's been disbursed and keep construction costs manageable.
- Draw-based funding so you only pay interest on disbursed amounts.
- Short-term 1 to 3 year terms that align with your construction timeline.
- Available across all major commercial property types.
- Up to 75% loan-to-cost to keep your equity contribution manageable.
Best suited for strong borrowers seeking to finance an investment commercial property.
Fannie Mae Multifamily Commercial Loans
Built for apartment investors seeking competitive agency rates, high leverage, and flexible prepayment options on stabilized multifamily properties.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure gives you up to 80% leverage with agency-backed certainty, flexible prepayment options, and rates that keep your debt service low on stabilized apartments.
- Agency-backed rates with up to 80% leverage on apartments.
- Flexible terms from 3 to 30 years to match any hold period.
- Flexible prepayment options including yield maintenance and step-downs.
- Streamlined process with standardized underwriting for faster closings.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Freddie Mac Multifamily Commercial Loans
Built for apartment investors who want maximum leverage, long fully amortizing terms, and rate-locked certainty backed by Freddie Mac's streamlined process.
Up to 85% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure gives you up to 85% leverage with a fully amortizing 30-year term, so you build equity from day one with no balloon payment hanging over you.
- Up to 85% leverage with Freddie Mac's streamlined apartment program.
- Fully amortizing 30-year terms that build equity from day one.
- Competitive fixed rates backed by a government-sponsored enterprise.
- Standardized underwriting for a faster, more predictable closing process.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
FHA / HUD Multifamily Commercial Loans
Built for multifamily owners seeking the highest leverage, longest terms, and fully amortizing government-insured loans with low fixed rates.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure eliminates balloon risk with fully amortizing government-insured terms up to 40 years, delivering the lowest monthly payments available for apartment owners.
- Government-insured low fixed rates locked in for up to 40 years.
- Fully amortizing terms with no balloon payment at maturity.
- Up to 80% leverage reducing your upfront equity requirement.
- Available for market-rate, affordable, and senior multifamily properties.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
CMBS Multifamily Commercial Loans
Built for apartment investors looking for non-recourse financing on larger stabilized multifamily assets with competitive fixed rates and flexible terms.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure pairs non-recourse protection with competitive fixed rates on larger apartment deals, letting you scale your portfolio without putting personal assets at risk.
- Non-recourse financing that protects your personal assets on larger deals.
- Fixed-rate terms from 5 to 30 years with competitive spreads.
- Long amortization up to 30 years for lower monthly debt service.
- Suited for stabilized apartment assets with strong occupancy.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Conventional Multifamily Commercial Loans
Built for apartment investors who want straightforward, flexible financing with a wide range of term and amortization options on stabilized multifamily properties.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure gives you the widest range of term and amortization options so you can tailor the loan to match your hold period and cash flow goals exactly.
- Widest range of term options from 3 to 30 years for apartments.
- Amortization as short as 10 years for faster equity buildup.
- Competitive rates with flexible structure from portfolio lenders.
- Lower loan minimums starting at $1M for smaller multifamily deals.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Insurance Multifamily Commercial Loans
Built for apartment investors with strong, institutional-quality multifamily assets who want the lowest fixed rates and long-term stability from an insurance company lender.
Up to 75% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure locks in the lowest fixed rates available through insurance company capital, giving you decades of predictable payments on a high-quality apartment asset.
- Lowest fixed rates available through institutional insurance capital.
- Terms up to 30 years with long-term rate certainty.
- Amortization from 10 to 30 years to match your cash flow strategy.
- Ideal for institutional-quality apartment assets with stable performance.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
USDA Multifamily Commercial Loans
Built for apartment investors in rural and suburban areas who want high-leverage, government-backed financing with flexible terms on stabilized multifamily properties.
Up to 85% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure gets you up to 85% leverage with government-backed rates in markets where other lenders won't go, keeping your equity requirement low on suburban and rural apartments.
- Up to 85% leverage with government-backed USDA rates for apartments.
- Flexible terms from 3 to 30 years in rural and suburban markets.
- Lower loan minimums starting at $1M for smaller multifamily properties.
- Amortization up to 30 years keeping monthly payments affordable.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Construction Multifamily Commercial Loans
Built for multifamily developers who need construction-to-permanent financing to build new apartment projects with high leverage and competitive rates.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure finances your apartment build with up to 80% leverage and a clear path to permanent financing, so you go from blueprint to stabilized asset in one relationship.
- Up to 80% loan-to-cost financing for new apartment construction.
- Terms from 3 to 15 years covering build through initial stabilization.
- Clear conversion path to permanent financing upon project completion.
- Lower loan minimums starting at $1M for smaller multifamily developments.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Bridge Multifamily Commercial Loans
Built for apartment investors who need fast, short-term capital to acquire or reposition a multifamily property before securing long-term permanent financing.
Up to 80% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure gives you fast, flexible capital to reposition or lease up an apartment property, bridging the gap to permanent financing without locking you into long-term terms.
- Fast, short-term capital with 1 to 3 year terms for apartment repositioning.
- Up to 80% leverage to minimize your equity in transitional deals.
- Flexible structure with no prepayment penalty for early payoff.
- Designed to bridge the gap until permanent agency or CMBS financing.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
FHA Construction Loans Multifamily Commercial Loans
Built for multifamily developers seeking government-insured construction-to-permanent financing with the highest leverage, longest terms, and a single streamlined close.
Up to 83% LTV with no lender origination fee and no appraisal fee.
Why this offer converts well for multifamily properties
This structure delivers government-insured construction-to-permanent financing with up to 83% leverage in a single close, eliminating refinance risk and locking in your rate from the start.
- Up to 83% leverage with government-insured construction-to-permanent financing.
- Single close eliminates refinance risk and locks your rate from the start.
- Fully amortizing terms up to 40 years for the lowest monthly payments.
- Ideal for ground-up apartment developments with long-term hold strategies.
Best suited for strong borrowers seeking to finance a multifamily commercial property.
Real Deals. Real Results.
Success Stories
See how we've helped borrowers across the country close complex deals and reach their goals.
SBA 7(a)
New Ace Hardware Franchise Financing
CLD was most helpful from answering my initial questions to the follow up... We would not have been able to start this business without CLD.
CMBS
Apartment Refinance — 332 Units
I had a tremendously good experience with CLD and especially with my loan specialist — she identified the ideal loan program and handled everything professionally.
Conventional
Student Housing Refinancing — 181 Units
I felt confident through the process that things were under control, that my interests were protected — always a pleasure to work with.
Want to see what real clients say about working with us?
Read Our Unfiltered ReviewsCommercial Loans and Apartment Mortgages
Commercial Loan Direct (CLD) is a national commercial real estate correspondent and mortgage banking firm with access to more than 350 lending programs. CLD works with banks, institutional lenders, life companies, hedge funds, REITs, private lenders, Fannie Mae, Freddie Mac, SBA, USDA, and HUD/FHA.
Our Simple 3-Step Process
Step 1. Submit a Quote Request
Your assigned Loan Specialist will work with you to understand the property you wish to purchase or refinance as well as your investment strategy.
Step 2. Selection
Your transaction will be matched with the top loan programs that best fits your request. Your Loan Specialist will assist by explaining the features of the proposed loan option(s) and will provide you with a breakdown of the rates, terms, and fees.
Step 3. Closing
You will work with your assigned Transaction Coordinator to send in the required items during the due diligence period. Third party reports are ordered and title and escrow are opened. Once all items on your pre-closing checklist have been received, the loan is closed and you receive your funds.
Commercial Loan Finder
Fill this form out to find the best commercial loan programs for your needs.
Get A Free Quote
Get a free commercial loan quote. This process does not affect your credit score.
Was this page helpful?
CLD Assistant
Online — Ready to helpMatching Loan Programs
Lets Start By Logging In!
We found an account with the email address you provided. Let's get you logged in by putting your password below.