Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Louisiana. Current commercial loan rates in Louisiana range from 5% to 12.95%, 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 LA.
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.
Louisiana’s commercial lending market is active but risk-aware. Capital is available through community, regional, and national lenders, but underwriting is conservative due to economic concentration, energy exposure, and insurance and climate risk. Successful transactions emphasize strong cash flow, conservative leverage, and realistic expense assumptions.
Owner-occupied properties are among the most lender-friendly deals in Louisiana, particularly when supported by established operating businesses with consistent financial performance.
Industrial and logistics assets tied to ports, petrochemical, manufacturing, and regional distribution tend to underwrite well when tenancy is stable.
Essential retail and service properties (medical offices, grocery-anchored centers, fuel stations, and professional services) are viewed favorably due to steady local demand.
Office properties face increased scrutiny, especially older buildings or assets with limited tenant depth outside core metro areas.
Hospitality is financeable but underwritten cautiously due to seasonality, labor costs, and sensitivity to economic and tourism cycles.
Value-add and transitional deals require more equity, more reserves, and credible stabilization plans. Aggressive rent growth assumptions are heavily discounted.
New Orleans: The most lender-active market, with better appetite for stabilized multifamily, hospitality-adjacent assets, and essential-use properties.
Baton Rouge: Supported by government, education, and healthcare, with conservative but consistent lending activity.
Shreveport and Lafayette: Financing is available, though lenders emphasize borrower strength and essential property use.
Coastal and flood-prone areas: Lenders closely examine insurance costs, deductibles, and flood exposure, often limiting leverage.
Community and regional banks dominate the commercial lending landscape. Relationships and local market knowledge carry significant weight.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
National and institutional lenders participate selectively, typically for larger, stabilized assets in core markets.
Insurance and flood risk are central underwriting factors and can materially affect DSCR and loan structure.
Energy-sector exposure is closely reviewed for both borrowers and tenants.
Expense volatility (taxes, insurance, maintenance) is stressed heavily in lender models.
A strong Louisiana loan request typically includes conservative leverage, defensible historical NOI, strong guarantors, and a clear plan for managing insurance and operating risks.
Deals built on aggressive rent growth, rapid repositioning, or short-term exits tend to struggle.
Louisiana is a capital-available but underwriting-driven lending market. Owner-occupied, industrial, and essential-use properties offer the clearest paths to financing, while office, hospitality, and high-risk coastal assets face tighter terms.
We are proud to be serving the state of Louisiana. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Louisiana 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 Louisiana 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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