Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Nevada. Current commercial loan rates in Nevada range from 4.9% to 12.85%, 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 NV.
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.
Nevada’s commercial lending market is active but risk-aware. Capital is available across banks, credit unions, and non-bank lenders, but underwriting is disciplined and heavily influenced by tourism exposure, expense volatility, and market liquidity. Lenders reward stable cash flow and conservative leverage over speculative growth narratives.
Industrial and logistics properties are among the most lender-favored asset classes, particularly in the Las Vegas metro and Reno–Sparks region. Modern facilities with strong tenant demand and longer lease terms underwrite best.
Owner-occupied properties remain highly financeable when supported by established operating businesses with consistent historical performance.
Stabilized multifamily can finance when occupancy and collections are solid, though lenders closely review expense growth and recent rent trends.
Service-based and necessity retail (medical, grocery-adjacent, professional services) continues to attract lender interest when tenancy is durable.
Hospitality is financeable but underwritten cautiously due to sensitivity to tourism cycles, labor costs, and economic volatility.
Office faces increased scrutiny, especially older buildings or assets with limited tenant depth outside prime submarkets.
Value-add and transitional deals require more equity, more reserves, and conservative stabilization assumptions.
Las Vegas Metro: The deepest lender pool in the state. Industrial, multifamily, and owner-occupied assets are favored, while hospitality and office face tighter terms.
Reno–Sparks: Viewed as logistics- and manufacturing-friendly, with strong lender appetite for industrial and flex properties.
Secondary and rural markets: Financing is more selective and relationship-driven, with conservative leverage and focus on essential-use properties.
Regional and national banks are active but selective, often favoring stabilized assets and experienced borrowers.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
Debt funds and non-bank lenders play a larger role in transitional and hospitality-related deals, typically at higher cost.
Life companies and institutional lenders focus on large, stabilized assets with long-term income visibility.
Tourism and cyclical exposure are central underwriting considerations.
Expense sensitivity, particularly insurance, labor, and utilities, is closely stressed.
Sponsor liquidity and experience often carry as much weight as property-level metrics.
A strong Nevada loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals relying on aggressive projections, rapid repositioning, or short-term exits tend to struggle.
Nevada is a capital-available but underwriting-driven lending market. Industrial, owner-occupied, and stabilized multifamily assets offer the clearest paths to financing, while hospitality, office, and highly transitional projects face tighter terms.
We are proud to be serving the state of Nevada. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Nevada 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 Nevada 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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