Commercial Loan Direct (CLD) provides commercial real estate loans in the state of New Jersey. Current commercial loan rates in New Jersey 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 NJ.
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.
New Jersey’s commercial lending market is capital-rich but highly selective. Lenders are active across banks, credit unions, and institutional sources, but underwriting is conservative due to high property values, tax and expense pressure, and regulatory complexity. Approvals favor stable cash flow, experienced sponsorship, and defensible exit liquidity.
Industrial and logistics properties are among the most lender-favored asset classes statewide, particularly near ports, intermodal hubs, and major highways. Modern facilities with durable tenant demand underwrite best.
Owner-occupied properties remain highly financeable, especially when backed by established professional, medical, or service businesses with consistent historical cash flow.
Stabilized multifamily can finance well when operations are clean and expense growth is controlled. Workforce and mid-market housing often underwrite better than luxury Class A assets.
Medical, life sciences, and essential-use properties receive favorable consideration due to stable demand and institutional tenancy.
Office is underwritten cautiously, particularly older suburban buildings and assets without strong leasing momentum.
Value-add and transitional deals face tighter leverage and higher equity requirements, especially when reliant on aggressive rent growth assumptions.
Hospitality receives conservative underwriting due to sensitivity to business travel and economic cycles.
Northern New Jersey: The most lender-active region due to proximity to New York City, with strong appetite for industrial, multifamily, and owner-occupied assets.
Central New Jersey: Viewed as stable and diversified, with lender interest across industrial, medical, and essential-use properties.
Southern New Jersey: Financing is more selective and relationship-driven, with conservative leverage and emphasis on tenant quality.
Regional and national banks are active but selective, often favoring relationship 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 complex deals, typically at higher cost.
Expense pressure, including taxes, insurance, and labor, is closely stressed in lender models.
Regulatory and zoning considerations affect leverage and long-term feasibility.
Sponsor liquidity and experience carry significant weight in credit decisions.
A strong New Jersey loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals relying on aggressive rent growth, rapid repositioning, or uncertain office recovery assumptions tend to struggle.
New Jersey is a capital-available but highly filtered lending market. Industrial, owner-occupied, stabilized multifamily, and medical assets offer the clearest paths to financing, while office, hospitality, and transitional projects face tighter underwriting.
We are proud to be serving the state of New Jersey. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following New Jersey 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 New Jersey 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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