Commercial Loan Direct (CLD) provides commercial real estate loans in Georgia. Current commercial loan rates in Georgia range from 5.04% to 12.75% depending on the loan program.
Georgia Commercial Loan Rates
| Loan Types | Rates | LTV | Loan Amount | Occupancy |
|---|---|---|---|---|
| Conventional | 5.32% - 8.75% | 80% | $1,000,000+ | Investment + Owner Occupied |
| Conduit / CMBS | 6.12% - 7.96% | 75% | $2,000,000+ | Investment |
| Insurance | 5.62% - 8.77% | 75% | $5,000,000+ | Investment + Owner Occupied |
| FHA / HUD | 5.04% - 6.39% | 83.3% | $5,000,000+ | Investment |
| USDA | 6% - 8.75% | 85% | $1,000,000+ | Investment + Owner Occupied |
| Bridge | 5.75% - 12.75% | 80% | $1,500,000+ | Investment |
| Construction | 5.5% - 8.75% | 83.3% | $1,000,000+ | Investment |
| SBA | 5.75% - 8.75% | 85% - 90% | $1,000,000+ | Owner Occupied |
For more in-depth commercial interest rates, please visit our Commercial Loan Rates page. If you are looking to finance or refinance a multifamily property, please visit our Georgia multifamily loans page.
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.
Ready to Get a Commercial Loan Quote in Georgia?
Georgia Interest Rates starting at 5.04%. Tell us about your property and financing goals. We will match your request with lending options based on program fit and current market conditions.
Get a QuoteTypes of Commercial Loans in Georgia
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.
Commercial loan landscape in Georgia (high-level snapshot)
Georgia’s commercial lending market is very active, but it’s also more disciplined than during the easy-money years. Banks and non-bank lenders are still funding deals, but they’re prioritizing durable cash flow, stronger DSCR, and clearer exit/refi paths—especially in and around Metro Atlanta, where transaction volume and competition are highest.
What lenders are most comfortable financing
Industrial / logistics across Metro Atlanta and key corridors is still one of the most financeable categories, but the market has moved from “red-hot” to more balanced conditions as vacancy has risen from prior lows (e.g., around 8.7% in a Q3 2025 Atlanta industrial report).
Owner-occupied properties remain a sweet spot (especially when the operating business has strong, well-documented cash flow). These often underwrite better than pure investor deals because repayment is supported by the business, not just the property’s NOI.
Stabilized retail (service/necessity-based) and stabilized multifamily can still get solid terms when occupancy, collections, and lease/tenant quality are clean—lenders just want realistic expense and renewal assumptions.
Where underwriting gets tougher
Office is generally the hardest asset class, particularly in Atlanta. A Q4 2025 Atlanta office update reported an overall vacancy rate around 25.0%, which keeps lenders conservative on leverage and picky on building quality and location.
Transitional/value-add deals (vacancy, heavy capex, short lease terms) are doable, but they usually require more equity, more reserves, and a tighter, evidence-backed stabilization plan.
Refinances can be tougher than purchases when old low-rate debt is rolling into higher payments—if DSCR compresses, lenders may require paydowns or restructure terms.
Market-by-market dynamics (how lenders tend to think)
Metro Atlanta: The deepest lender pool and most competitive pricing for good deals. Industrial remains a core focus, multifamily is underwriting-heavy but still financeable for the right submarkets, and office is the most restrictive category due to elevated vacancy.
Savannah / Coastal Georgia: Port-driven logistics and distribution narratives can help industrial underwriting. Near-coastal locations can also trigger more lender attention on insurance costs, deductibles, and reserve requirements.
Augusta / Columbus / Macon and other regional metros: Terms vary more by sponsor strength and tenant story. Some lenders like stable, “plain vanilla” deals here; others price in perceived liquidity risk with lower leverage or higher spreads.
Multifamily: stabilizing as supply pressure eases
In Atlanta, one Q4 2025 multifamily market report showed vacancy around 6.3% with demand moving toward stabilization as new supply slows.
Recent commentary also notes the construction pipeline cooling (deliveries down materially from peak levels and fewer new starts), which is generally supportive for future multifamily fundamentals and lender confidence.
Who’s lending in Georgia (and what it means for your terms)
Community & regional banks are still the core for many small-to-mid balance loans, especially with strong sponsorship and relationship deposits. Georgia’s banking footprint is large (heavily centered around Atlanta), and the state profile data gives a useful lens into loan category mix and market depth.
Credit unions can be competitive on owner-occupied or smaller loans (policy varies widely).
Debt funds / CMBS / life companies show up more for larger loans, special situations, or when banks get cautious—often with more structure, more covenants, or higher total cost.
What “good” looks like to a lender right now
Most Georgia lenders are rewarding deals that are boring in the best way: clear historical performance, conservative leverage, strong guarantors, and a credible “what happens at maturity” plan.
For investor real estate, the most lender-friendly packages usually emphasize lease durability (term, tenant quality), collections, and defensible NOI rather than optimistic pro formas.
Bottom line
Georgia is a “yes, if…” market: yes to strong cash-flowing deals (especially industrial and owner-occupied), and more conditional to office and heavy-transition projects. Atlanta remains the center of gravity, where competition is high and underwriting is the most data-driven.
Locations Served in Georgia
We are proud to be serving the state of Georgia. Here are our commercial loan statistics for this state.
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Lending Cities
Commercial loan direct provides services in the following Georgia 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.
- Abbeville
- Acworth
- Adairsville
- Adel
- Alamo
- Albany
- Alma
- Alpharetta
- Alto
- Americus
- Appling County
- Aragon
- Arcade
- Arlington
- Ashburn
- Athens
- Atkinson County
- Atlanta
- Auburn
- Augusta
- Austell
- Avondale Estates
- Bacon County
- Bainbridge
- Baker County
- Baldwin
- Baldwin County
- Ball Ground
- Banks County
- Barnesville
- Barrow County
- Bartow County
- Baxley
- Belvedere Park
- Ben Hill County
- Berkeley Lake
- Berrien County
- Bibb County
- Blackshear
- Blairsville
- Blakely
- Bleckley County
- Bloomingdale
- Blue Ridge
- Bogart
- Bonanza
- Boston
- Bowdon
- Brantley County
- Braselton
- Bremen
- Brookhaven
- Brooklet
- Brooks County
- Broxton
- Brunswick
- Bryan County
- Buchanan
- Buena Vista
- Buford
- Bulloch County
- Burke County
- Butler
- Butts County
- Byron
- Cairo
- Calhoun
- Calhoun County
- Camden County
- Camilla
- Candler County
- Candler-McAfee
- Canton
- Carnesville
- Carroll County
- Carrollton
- Cartersville
- Catoosa County
- Cave Spring
- Cedartown
- Centerville
- Chamblee
- Charlton County
- Chatham County
- Chatsworth
- Chattahoochee County
- Chattahoochee Hills
- Chattanooga Valley
- Chattooga County
- Cherokee County
- Chester
- Chickamauga
- Clarke County
- Clarkesville
- Clarkston
- Claxton
- Clay County
- Clayton
- Clayton County
- Cleveland
- Clinch County
- Cobb County
- Cochran
- Coffee County
- College Park
- Colquitt
- Colquitt County
- Columbia County
- Columbus
- Comer
- Commerce
- Conley
- Conyers
- Cook County
- Cordele
- Cornelia
- Country Club Estates
- Covington
- Coweta County
- Crawford County
- Crawfordville
- Crisp County
- Cumming
- Cusseta
- Cuthbert
- Dacula
- Dade County
- Dahlonega
- Dallas
- Dalton
- Danielsville
- Darien
- Davisboro
- Dawson
- Dawson County
- Dawsonville
- Decatur
- Decatur County
- Deenwood
- DeKalb County
- Demorest
- Dock Junction
- Dodge County
- Donalsonville
- Dooly County
- Doraville
- Dougherty County
- Douglas
- Douglas County
- Douglasville
- Druid Hills
- Dublin
- Duluth
- Dunwoody
- Early County
- East Dublin
- East Griffin
- East Newnan
- East Point
- Eastman
- Eatonton
- Echols County
- Edison
- Effingham County
- Elbert County
- Elberton
- Ellaville
- Ellijay
- Emanuel County
- Emerson
- Enigma
- Euharlee
- Evans
- Evans County
- Experiment
- Fair Oaks
- Fairburn
- Fairview
- Fannin County
- Fayette County
- Fayetteville
- Firing Range
- Fitzgerald
- Flowery Branch
- Floyd County
- Folkston
- Forest Park
- Forsyth
- Forsyth County
- Fort Gaines
- Fort Oglethorpe
- Fort Stewart
- Fort Valley
- Franklin
- Franklin County
- Franklin Springs
- Fulton County
- Gainesville
- Garden City
- Georgetown
- Gibson
- Gilmer County
- Glascock County
- Glennville
- Glynn County
- Gordon
- Gordon County
- Grady County
- Grantville
- Gray
- Grayson
- Greene County
- Greensboro
- Greenville
- Gresham Park
- Griffin
- Grovetown
- Gumlog
- Guyton
- Gwinnett County
- Habersham County
- Hahira
- Hall County
- Hamilton
- Hampton
- Hancock County
- Hannahs Mill
- Hapeville
- Haralson County
- Hardwick
- Harlem
- Harris County
- Hart County
- Hartwell
- Hawkinsville
- Hazlehurst
- Heard County
- Helena
- Henderson
- Henry County
- Hephzibah
- Hiawassee
- Hinesville
- Hiram
- Hogansville
- Holly Springs
- Homer
- Homerville
- Hoschton
- Houston County
- Indian Springs
- Irondale
- Irwin County
- Irwinton
- Isle of Hope
- Jackson
- Jackson County
- Jasper
- Jasper County
- Jeff Davis County
- Jefferson
- Jefferson County
- Jeffersonville
- Jenkins County
- Jesup
- Johns Creek
- Johnson County
- Jones County
- Jonesboro
- Kennesaw
- Kings Bay Base
- Kingsland
- Knoxville
- LaFayette
- LaGrange
- Lake City
- Lakeland
- Lakeview
- Lakeview Estates
- Lamar County
- Lanier County
- Laurens County
- Lavonia
- Lawrenceville
- Lee County
- Leesburg
- Lexington
- Liberty County
- Lilburn
- Lincoln County
- Lincolnton
- Lindale
- Lithia Springs
- Lithonia
- Locust Grove
- Loganville
- Long County
- Lookout Mountain
- Louisville
- Lovejoy
- Lowndes County
- Ludowici
- Lula
- Lumber City
- Lumpkin
- Lumpkin County
- Lyons
- Mableton
- Macon
- Macon County
- Madison
- Madison County
- Manchester
- Marietta
- Marion County
- Marshallville
- Martinez
- Maysville
- McCaysville
- McDonough
- McDuffie County
- McIntosh County
- McRae
- Meigs
- Meriwether County
- Metter
- Midway
- Milledgeville
- Millen
- Miller County
- Milton
- Mitchell County
- Monroe
- Monroe County
- Montezuma
- Montgomery
- Montgomery County
- Monticello
- Morgan
- Morgan County
- Morrow
- Moultrie
- Mount Airy
- Mount Vernon
- Mount Zion
- Mountain City
- Mountain Park
- Murray County
- Muscogee County
- Nahunta
- Nashville
- Nelson
- Newnan
- Newton
- Newton County
- Nicholls
- Nicholson
- Norcross
- North Atlanta
- North Decatur
- North Druid Hills
- Oakwood
- Ocilla
- Oconee County
- Oglethorpe
- Oglethorpe County
- Omega
- Oxford
- Palmetto
- Panthersville
- Paulding County
- Peach County
- Peachtree City
- Peachtree Corners
- Pearson
- Pelham
- Pembroke
- Perry
- Pickens County
- Pierce County
- Pike County
- Pine Mountain
- Polk County
- Pooler
- Port Wentworth
- Porterdale
- Powder Springs
- Preston
- Pulaski County
- Putnam County
- Putney
- Quitman
- Quitman County
- Rabun County
- Randolph County
- Raoul
- Ray City
- Redan
- Reed Creek
- Reidsville
- Remerton
- Reynolds
- Richland
- Richmond County
- Richmond Hill
- Rincon
- Ringgold
- Riverdale
- Robins Air Force Base
- Rochelle
- Rockdale County
- Rockmart
- Rome
- Rossville
- Roswell
- Royston
- Russell
- Rydal
- Saint Simon Mills
- Saint Simons Island
- Sandersville
- Sandy Springs
- Sardis
- Savannah
- Schley County
- Scottdale
- Screven County
- Seminole County
- Senoia
- Shannon
- Skidaway Island
- Smyrna
- Snellville
- Social Circle
- Soperton
- Spalding County
- Sparks
- Sparta
- Springfield
- St. Marys
- Statenville
- Statesboro
- Statham
- Stephens County
- Stewart County
- Stockbridge
- Stone Mountain
- Stonecrest
- Sugar Hill
- Summerville
- Sumter County
- Sunnyside
- Suwanee
- Swainsboro
- Sylvania
- Sylvester
- Talbot County
- Talbotton
- Taliaferro County
- Tallapoosa
- Tattnall County
- Taylor County
- Telfair County
- Temple
- Tennille
- Terrell County
- Thomas County
- Thomaston
- Thomasville
- Thomson
- Thunderbolt
- Tift County
- Tifton
- Toccoa
- Toombs County
- Towns County
- Trenton
- Treutlen County
- Trion
- Troup County
- Tucker
- Turner County
- Twiggs County
- Twin City
- Tybee Island
- Tyrone
- Unadilla
- Union City
- Union County
- Union Point
- Unionville
- Upson County
- Valdosta
- Varnell
- Vidalia
- Vienna
- Villa Rica
- Vinings
- Wadley
- Walker County
- Walnut Grove
- Walthourville
- Walton County
- Ware County
- Warner Robins
- Warren County
- Warrenton
- Washington
- Washington County
- Watkinsville
- Waycross
- Wayne County
- Waynesboro
- Webster County
- West Point
- West Warrenton
- Wheeler County
- White County
- Whitemarsh Island
- Whitfield County
- Wilcox County
- Wilkes County
- Wilkinson County
- Willacoochee
- Wilmington Island
- Winder
- Winterville
- Woodbine
- Woodstock
- Worth County
- Wrens
- Wrightsville
- Young Harris
- Zebulon
