Commercial Real Estate Loans - Marietta, Georgia

Commercial Loan Direct (CLD) provides commercial real estate loans in Marietta, Georgia. Current commercial loan rates in Marietta, Georgia range from 4.96% to 12.95%, depending on the loan program.

Marietta, Georgia Commercial Loan Rates

Loan Types Rates LTV Loan Amount Max Amortization
Conventional 4.96% - 8.95% 80% $1,000,000+ 30 Years
Bridge 5.98% - 12.95% 80% $1,500,000+ I/O
Conduit / CMBS 5.84% - 7.74% 75% $2,000,000+ 30 Years
Construction 5.73% - 8.95% 83.3% $1,000,000+ I/O
Fannie Mae 5.69% - 6.46% 80% $1,000,000+ 30 Years
Freddie Mac 5.99% - 9.43% 80% $1,000,000+ 30 Years
FHA / HUD 4.87% - 6.19% 83.3% $5,000,000+ 40 Years
Insurance 5.34% - 8.59% 75% $5,000,000+ 30 Years
SBA 504 5.9% - 6.07% 90% $1,000,000+ 25 Years
SBA 7a 5.98% - 8.95% 85% - 90% $1,000,000+ 25 Years
USDA 6.23% - 8.95% 85% $1,000,000+ 30 Years

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.

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Georgia Interest Rates starting at 4.96%. Tell us about your property and financing goals. We will match your request with lending options based on program fit and current market conditions.

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Commercial Loan Market Overview: Marietta, Georgia

Marietta sits within the broader Atlanta metro commercial finance ecosystem, giving local businesses and investors access to a wide range of capital sources. The market is generally characterized by active bank and non-bank participation, with underwriting that reflects both local property dynamics and metro-wide economic conditions.

Key Drivers of Local Demand

  • Population and business growth in Cobb County supporting demand for retail, service, and light industrial space.
  • Proximity to major highways and logistics corridors, which can influence financing activity for industrial and flex properties.
  • Ongoing redevelopment and infill activity in established corridors, contributing to acquisition, renovation, and repositioning loans.
  • Small and mid-sized business activity creating steady demand for owner-occupied and working-capital-related borrowing.

Common Loan Types and Use Cases

  • Owner-occupied commercial mortgages for professional offices, medical users, contractors, and local service businesses.
  • Investor commercial real estate loans for acquisitions, refinances, and value-add improvements on income-producing properties.
  • Construction and renovation financing for build-to-suit, tenant improvements, and redevelopment projects.
  • Lines of credit and term loans to support inventory, equipment, expansion, and general working capital.

Property and Borrower Factors That Typically Matter

Underwriting in Marietta commonly emphasizes cash flow reliability, collateral quality, and sponsorship strength. For real estate, lenders often focus on occupancy stability, lease terms, tenant concentration, and market rent support. Borrower experience, liquidity, and a clear plan for the property or business are frequently important, especially for transitional or renovation scenarios.

Market Conditions and Lending Approach

  • More documentation and diligence is typical for investment properties, construction, or complex income streams.
  • Preference for strong fundamentals such as proven operating history, stable tenancy, and conservative leverage.
  • Structured flexibility may be available through alternative financing for borrowers with unique timelines, property challenges, or transitional plans.

Overall Outlook

The commercial loan market in Marietta is generally competitive and diverse, supported by metro-area capital availability and a mix of property types. While underwriting standards can vary by deal profile, well-prepared borrowers with strong financials and a clearly supported project typically find multiple viable financing paths in the local market.

Types of Commercial Loans in Marietta

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 FAQs for Marietta

Commercial interest rates in Marietta Georgia vary based on loan type, property type, loan-to-value, debt service coverage ratio, borrower strength, and market conditions. They range from approximately 4.96% to 12.95%.

Borrowers in Marietta, Georgia can access Conventional, CMBS/Conduit, Insurance, FHA/HUD, USDA, Bridge, Construction, and SBA financing based on property type, leverage, and occupancy.

Commercial loan rates in Marietta, Georgia depend on loan type, property cash flow, debt service coverage ratio, loan-to-value, borrower strength, and market conditions.

Yes. Owner-occupied financing is available in Marietta, Georgia, including Conventional, Insurance, SBA, USDA, and selected agency programs when eligibility requirements are met.

Yes. Refinance options in Marietta, Georgia include rate-and-term and cash-out structures, subject to underwriting, property performance, and lender program guidelines.

Why Borrowers in Marietta 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.

Our 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.

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What Clients Say About Us

Our Reviews

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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