Commercial Loans Simplified

Get matched with 350+ programs for multifamily, investment, and owner-occupied properties.

19+ Years Experience Tailored Solutions $53B+ Loans Processed Quick Closings Nationwide Coverage Responsive Staff

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Why Borrowers Choose Commercial Loan Direct

Broad Program Access

Agency, conventional, bridge, construction, and specialized options in one platform.

Faster Decisioning

A streamlined online intake helps identify likely-fit programs quickly.

Nationwide Capabilities

Support for multifamily and commercial assets across U.S. markets.

Tailored Structures

Loan scenarios designed around property type, occupancy, and business plan.

How It Works

1. Submit a Quick Quote

Share property type, contact details, and loan size.

2. Get Program Matches

Review available financing paths and likely fit options.

3. Closing

We stick with you until the loan closes.

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Commercial 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.

What Clients Say About Us

Our Reviews

Unfiltered Reviews
Fernando and Leanne are Amazing

Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever

- Nirav Patel

She Took Care of All My Needs

If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.

- Vincent Arias

Commercial Loan Direct Streamlined the Whole Process

We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them

- Rita Pisarski

Find the Right Loan Category

Multifamily properties include traditional apartments, age-restricted communities, student housing, affordable housing, cooperatives, and manufactured housing/mobile home parks. Loan options can include Fannie Mae, Freddie Mac, HUD/FHA, USDA, CMBS/Conduit, Conventional, and Insurance products, with bridge and construction options available by scenario.

Fannie Mae

Min. Loan Amount: $1,000,000


Max LTV: 80%


Term Length (Years): 3 - 30


Amortization (Years): 15 - 30


Details

Rates 5.46% - 6.26%


Quote
Freddie Mac

Min. Loan Amount: $1,000,000


Max LTV: 85%


Term Length (Years): 5 - 30


Amortization (Years): 30 - 30


Details

Rates 5.76% - 9.23%


Quote
FHA / HUD

Min. Loan Amount: $3,000,000


Max LTV: 80%


Term Length (Years): 30 - 40


Amortization (Years): 30 - 40


Details

Rates 4.64% - 8.75%


Quote
CMBS

Min. Loan Amount: $2,000,000


Max LTV: 75%


Term Length (Years): 5 - 30


Amortization (Years): 20 - 30


Details

Rates 5.61% - 7.54%


Quote
Conventional

Min. Loan Amount: $1,000,000


Max LTV: 75%


Term Length (Years): 3 - 30


Amortization (Years): 10 - 30


Details

Rates 4.73% - 8.75%


Quote
Insurance

Min. Loan Amount: $5,000,000


Max LTV: 75%


Term Length (Years): 5 - 30


Amortization (Years): 10 - 30


Details

Rates 5.11% - 8.39%


Quote
USDA

Min. Loan Amount: $1,000,000


Max LTV: 85%


Term Length (Years): 3 - 30


Amortization (Years): 15 - 30


Details

Rates 6.00% - 8.75%


Quote
Construction

Min. Loan Amount: $1,000,000


Max LTV: 80%


Term Length (Years): 3 - 15


Amortization (Years): 15 - 30


Details

Rates 5.50% - 8.75%


Quote
Bridge

Min. Loan Amount: $3,000,000


Max LTV: 80%


Term Length (Years): 1 - 3


Amortization (Years): 15 - 30


Details

Rates 5.75% - 12.75%


Quote
FHA Construction Loans

Min. Loan Amount: $3,000,000


Max LTV: 83%


Term Length (Years): 35 - 40


Amortization (Years): 35 - 40


Details

Rates 5.50% - 8.75%


Quote

Investment commercial real estate can include office, retail, industrial/warehouse, self-storage, healthcare, hospitality, and mixed-use properties. Available financing solutions include Conventional, CMBS/Conduit, Insurance, Agency (FHA/HUD and USDA), plus bridge or construction structures where appropriate.

Conventional

Min. Loan Amount: $1,000,000


Max LTV: 75%


Term Length (Years): 3 - 15


Amortization (Years): 15 - 30


Details

Rates 4.73% - 8.75%


Quote
CMBS

Min. Loan Amount: $2,000,000


Max LTV: 75%


Term Length (Years): 5 - 10


Amortization (Years): 20 - 30


Details

Rates 5.61% - 7.54%


Quote
Insurance

Min. Loan Amount: $5,000,000


Max LTV: 75%


Term Length (Years): 5 - 30


Amortization (Years): 15 - 30


Details

Rates 5.11% - 8.39%


Quote
FHA / HUD

Min. Loan Amount: $3,000,000


Max LTV: 83%


Term Length (Years): 30 - 40


Amortization (Years): 30 - 40


Details

Rates 4.64% - 8.75%


Quote
USDA

Min. Loan Amount: $1,000,000


Max LTV: 85%


Term Length (Years): 5 - 15


Amortization (Years): 15 - 30


Details

Rates 6.00% - 8.75%


Quote
Bridge

Min. Loan Amount: $3,000,000


Max LTV: 75%


Term Length (Years): 1 - 3


Amortization (Years): 15 - 30


Details

Rates 5.75% - 12.75%


Quote
Construction

Min. Loan Amount: $3,000,000


Max LTV: 75%


Term Length (Years): 1 - 3


Amortization (Years): 15 - 30


Details

Rates 5.50% - 8.75%


Quote

Owner-occupied commercial real estate financing supports business-use properties where the owner occupies at least 50% of the space. Common options include Conventional, Insurance, FHA/HUD, SBA, and USDA, plus construction financing on select opportunities.

Conventional

Min. Loan Amount: $1,000,000


Max LTV: 80%


Term Length (Years): 3 - 15


Amortization (Years): 15 - 30


Details

Rates 4.73% - 8.75%


Quote
SBA

Min. Loan Amount: $1,000,000


Max LTV: 90%


Term Length (Years): 3 - 25


Amortization (Years): 15 - 30


Details

Rates 5.75% - 8.75%


Quote
USDA

Min. Loan Amount: $1,000,000


Max LTV: 85%


Term Length (Years): 5 - 15


Amortization (Years): 15 - 30


Details

Rates 6.00% - 8.75%


Quote
SBA Construction

Min. Loan Amount: $3,000,000


Max LTV: 80%


Term Length (Years): 1 - 3


Amortization (Years): 15 - 30


Details

Rates 5.50% - 8.75%


Quote
Conventional Construction

Min. Loan Amount: $1,000,000


Max LTV: 70%


Term Length (Years): 1 - 3


Amortization (Years): 15 - 30


Details

Rates 5.50% - 8.75%


Quote
SBA7A

Min. Loan Amount: $1,000,000


Max LTV: 85%


Term Length (Years): 10 - 20


Amortization (Years): 20 - 25


Details

Rates 5.75% - 8.75%


Quote
SBA504

Min. Loan Amount: $1,000,000


Max LTV: 90%


Term Length (Years): 10 - 25


Amortization (Years): 10 - 25


Details

Rates 5.67% - 5.87%


Quote

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