Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Connecticut. Current commercial loan rates in Connecticut range from 4.8% to 12.75%, 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 CT.
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.
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 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.
Connecticut’s commercial lending market is capital-available but cautious. Lenders are active across banks, credit unions, and institutional sources, but underwriting is conservative due to slow population growth, high operating costs, and regulatory complexity. Deals that succeed tend to emphasize stability, strong sponsorship, and defensible cash flow rather than aggressive growth assumptions.
Owner-occupied properties are among the most lender-friendly transactions, especially when backed by established professional, medical, or service businesses with consistent historical cash flow.
Stabilized multifamily underwrites relatively well, particularly workforce and mid-market housing with long operating histories and controlled expenses.
Medical, education, and essential-use properties tend to receive favorable consideration due to steady demand and mission-critical tenancy.
Office is underwritten conservatively, especially suburban and older product. Lenders often require lower leverage and strong in-place tenancy.
Value-add and transitional deals face tighter leverage, higher equity requirements, and closer scrutiny of projected rent growth.
Hospitality and discretionary assets can receive more restrictive terms due to seasonal demand and operating volatility.
Fairfield County: Proximity to New York City supports lender interest, but high property values and taxes lead to conservative leverage.
Hartford: Stable demand for medical, government-adjacent, and professional services properties, with cautious treatment of office assets.
New Haven and secondary cities: Financing is available for stabilized, well-located properties, though lenders emphasize tenant quality and exit liquidity.
Regional and national banks are active but selective, often favoring relationship-driven borrowers and stabilized assets.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
Life companies and institutional lenders focus on large, stabilized assets with long-term income visibility.
Debt funds and non-bank lenders participate in transitional or higher-leverage deals, typically at higher cost.
Expense pressure is a major underwriting factor. Property taxes, insurance, labor, and utilities are closely stressed.
Regulatory and zoning considerations affect project feasibility and long-term operations.
Sponsor liquidity and experience carry significant weight in credit decisions.
A strong Connecticut loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals relying on aggressive rent growth or rapid repositioning strategies tend to struggle.
Connecticut is a capital-available but underwriting-driven lending environment. Owner-occupied, stabilized multifamily, and essential-use properties provide the clearest paths to financing, while office and transitional assets face tighter terms.
We are proud to be serving the state of Connecticut. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Connecticut 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 Connecticut economic reports to get a better understanding of your market.
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What Clients Say About Us
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
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
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
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