Commercial Real Estate Financing in Alabama | AL Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Alabama. Current commercial loan rates in Alabama range from 5.58% to 14.7%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of AL. We also have a dedicated page for apartment loans in Alabama.

Alabama Commercial Loan Programs Alabama Economic Data Alabama Lending Cities

Alabama Commercial Loan Rates

Commercial Loan Types	Average Alabama Rates	LTV	Loan Amount	Occupancy
Conventional	6.07% - 10.20%	80%	$1,000,000+	Investment + Owner Occupied
Conduit / CMBS	6.08% - 7.69%	75%	$2,000,000+	Investment
Insurance	5.58% - 8.09%	75%	$5,000,000+	Investment + Owner Occupied
FHA / HUD	5.57% - 6.42%	83.3%	$5,000,000+	Investment
USDA	6.20% - 11.20%	85%	$1,000,000+	Investment + Owner Occupied
Bridge	6.20% - 14.20%	80%	$1,500,000+	Investment
Construction	9.70% - 14.70%	83.3%	$1,000,000+	Investment
SBA	5.70% - 10.70%	85% - 90%	$1,000,000+	Owner Occupied

Types of Commercial Loans in Alabama

Investment Property Mortgages

The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in Alabama

Quick Quote

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Locations Served in Alabama

We are proud to be serving the state of Alabama. Here are our commercial loan statistics for this state.

Alabama Cities and Towns Served

Alabama Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for AL below to help you understand what kind of market you are in. Simply click one of the options below to see the data for AL. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following Alabama cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Alabama economic reports to get a better understanding of your market.

Abbeville
Adamsville
Alabaster
Albertville
Alexander City
Alexandria
Aliceville
Andalusia
Anniston
Arab
Argo
Ashford
Ashland
Ashville
Athens
Atmore
Attalla
Auburn
Autauga County
Baldwin County
Ballplay
Barbour County
Bay Minette
Bayou La Batre
Bear Creek
Berry
Bessemer
Bibb County
Birmingham
Blount County
Blountsville
Blue Ridge
Boaz
Brent
Brewton
Bridgeport
Brighton
Brook Highland
Brookside
Brookwood
Brundidge
Bullock County
Butler
Butler County
Bynum
Cahaba Heights
Calera
Calhoun County
Camden
Carbon Hill
Carlisle-Rockledge
Carrollton
Cedar Bluff
Center Point
Centre
Centreville
Chalkville
Chambers County
Chatom
Chelsea
Cherokee
Cherokee County
Chickasaw
Childersburg
Chilton County
Choccolocco
Choctaw County
Citronelle
Clanton
Clarke County
Clay
Clay County
Clayton
Cleburne County
Cleveland
Clio
Coaling
Coffee County
Colbert County
Collinsville
Columbiana
Concord
Conecuh County
Coosa County
Coosada
Cordova
Cottonwood
Covington County
Cowarts
Crenshaw County
Creola
Crossville
Cullman
Cullman County
Dadeville
Dale County
Daleville
Dallas County
Danville
Daphne
Dauphin Island
Deatsville
Decatur
DeKalb County
Demopolis
Dixiana
Dora
Dothan
Double Springs
East Brewton
East Florence
Eclectic
Elba
Elberta
Elmore
Elmore County
Emerald Mountain
Enterprise
Escambia County
Etowah County
Eufaula
Eutaw
Evergreen
Fairfield
Fairhope
Falkville
Fayette
Fayette County
Fayetteville
Flint City
Flomaton
Florala
Florence
Foley
Forestdale
Fort Deposit
Fort Payne
Fort Rucker
Franklin County
Frisco City
Fultondale
Fyffe
Gadsden
Gardendale
Geneva
Geneva County
Georgiana
Glencoe
Good Hope
Goodwater
Gordo
Grand Bay
Grayson Valley
Graysville
Greene County
Greensboro
Greenville
Grove Hill
Guin
Gulf Shores
Guntersville
Hackleburg
Hale County
Haleyville
Hamilton
Hanceville
Harpersville
Hartford
Hartselle
Harvest
Hayden
Hayneville
Hazel Green
Headland
Heflin
Helena
Henagar
Henry County
Highland Lakes
Hokes Bluff
Holt
Holtville
Homewood
Hoover
Houston County
Hueytown
Huguley
Huntsville
Indian Springs Village
Inverness
Irondale
Jackson
Jackson County
Jacksonville
Jasper
Jefferson County
Jemison
Kimberly
Kinsey
Ladonia
Lafayette
Lake Purdy
Lake View
Lamar County
Lanett
Lauderdale County
Lawrence County
Lee County
Leeds
Leesburg
Level Plains
Limestone County
Lincoln
Linden
Lineville
Lipscomb
Livingston
Locust Fork
Lowndes County
Loxley
Luverne
Macon County
Madison
Madison County
Malvern
Marbury
Marengo County
Margaret
Marion
Marion County
Marshall County
Meadowbrook
Meridianville
Midfield
Midland City
Mignon
Millbrook
Minor
Mobile
Mobile County
Monroe County
Monroeville
Montevallo
Montgomery
Montgomery County
Moody
Moores Mill
Morgan County
Morris
Moulton
Moundville
Mount Olive
Mount Vernon
Mountain Brook
Munford
Muscle Shoals
New Brockton
New Hope
New Market
Newton
North Bibb
Northport
Odenville
Ohatchee
Oneonta
Opelika
Opp
Orange Beach
Owens Cross Roads
Oxford
Ozark
Pelham
Pell City
Perry County
Phenix City
Phil Campbell
Pickens County
Piedmont
Pike County
Pike Road
Pine Level
Pinson
Pleasant Grove
Point Clear
Prattville
Priceville
Prichard
Ragland
Rainbow City
Rainsville
Randolph County
Red Bay
Redstone Arsenal
Reform
Rehobeth
Riverside
Roanoke
Robertsdale
Rock Creek
Rockford
Rogersville
Russell County
Russellville
Saint Clair County
Saks
Samson
Saraland
Sardis City
Satsuma
Scottsboro
Selma
Selmont-West Selmont
Semmes
Sheffield
Shelby
Shelby County
Shoal Creek
Slocomb
Smiths Station
Smoke Rise
Southside
Spanish Fort
Springville
Steele
Stevenson
Stewartville
Sulligent
Sumiton
Summerdale
Sumter County
Sylacauga
Sylvan Springs
Sylvania
Talladega
Talladega County
Tallapoosa County
Tallassee
Tarrant
Taylor
Theodore
Thomasville
Thorsby
Tillmans Corner
Town Creek
Trinity
Troy
Trussville
Tuscaloosa
Tuscaloosa County
Tuscumbia
Tuskegee
Underwood-Petersville
Union Springs
Uniontown
Valley
Valley Grande
Vance
Vandiver
Vernon
Vestavia Hills
Vincent
Walker County
Warrior
Washington County
Weaver
Webb
Wedowee
West Blocton
West End-Cobb Town
Westover
Wetumpka
Whitesboro
Wilcox County
Wilsonville
Winfield
Winston County
Woodstock
York