Commercial Real Estate Financing in New Jersey | NJ Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of New Jersey. Current commercial loan rates in New Jersey range from 5.38% to 14.5%, 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. We also have a dedicated page for apartment loans in New Jersey.

New Jersey Commercial Loan Programs New Jersey Economic Data New Jersey Lending Cities New Jersey Commercial Loan Reviews

New Jersey Commercial Loan Rates

Commercial Loan Types	Average New Jersey Rates	LTV	Loan Amount	Occupancy
Conventional	5.87% - 10.00%	80%	$1,000,000+	Investment + Owner Occupied
Conduit / CMBS	5.88% - 7.49%	75%	$2,000,000+	Investment
Insurance	5.38% - 7.89%	75%	$5,000,000+	Investment + Owner Occupied
FHA / HUD	5.37% - 6.22%	83.3%	$5,000,000+	Investment
USDA	6.00% - 11.00%	85%	$1,000,000+	Investment + Owner Occupied
Bridge	6.00% - 14.00%	80%	$1,500,000+	Investment
Construction	9.50% - 14.50%	83.3%	$1,000,000+	Investment
SBA	5.50% - 10.50%	85% - 90%	$1,000,000+	Owner Occupied

Types of Commercial Loans in New Jersey

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.

Apply for a Commercial Loan in New Jersey

Quick Quote

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.

Locations Served in New Jersey

We are proud to be serving the state of New Jersey. Here are our commercial loan statistics for this state.

New Jersey Cities and Towns Served

160

New Jersey Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for NJ below to help you understand what kind of market you are in. Simply click one of the options below to see the data for NJ. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

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.

Absecon
Allendale
Allentown
Alloway
Alpha
Alpine
Annandale
Asbury Park
Ashland
Atco
Atlantic City
Atlantic County
Atlantic Highlands
Audubon
Audubon Park
Avalon
Avenel
Avon-by-the-Sea
Barnegat
Barrington
Bayonne
Bayville
Beach Haven
Beach Haven West
Beachwood
Beattystown
Beckett
Bedminster
Belford
Belleville
Bellmawr
Belmar
Belvidere
Bergen County
Bergenfield
Berkeley Heights
Berlin
Bernardsville
Beverly
Blackwood
Bloomfield
Bloomingdale
Bogota
Boonton
Bordentown
Bound Brook
Bradley Beach
Bradley Gardens
Brass Castle
Bridgeton
Bridgewater
Brielle
Brigantine
Brookdale
Brooklawn
Browns Mills
Brownville
Budd Lake
Buena
Burlington
Burlington County
Butler
Caldwell
Califon
Camden
Camden County
Cape May
Cape May County
Cape May Court House
Carlstadt
Carneys Point
Carteret
Cedar Glen Lakes
Cedar Glen West
Cedar Grove
Chatham
Cherry Hill
Cherry Hill Mall
Chesilhurst
Chester
Cinnaminson
Clark
Clayton
Clearbrook Park
Clementon
Cliffside Park
Cliffwood Beach
Clifton
Clinton
Closter
Collings Lakes
Collingswood
Colonia
Concordia
Country Lake Estates
Cranbury
Crandon Lakes
Cranford
Cresskill
Crestwood Village
Cumberland County
Dayton
Delanco
Demarest
Dover
Dover Beaches North
Dover Beaches South
Dumont
Dunellen
East Brunswick
East Franklin
East Freehold
East Hanover
East Newark
East Orange
East Rutherford
Eatontown
Echelon
Edgewater
Edgewater Park
Edison
Egg Harbor City
Elizabeth
Ellisburg
Elmer
Elmwood Park
Elwood
Emerson
Englewood
Englewood Cliffs
Englishtown
Erma
Essex County
Essex Fells
Estell Manor
Ewing
Fair Haven
Fair Lawn
Fairfield
Fairton
Fairview
Fanwood
Farmingdale
Finderne
Flemington
Florence
Florham Park
Folsom
Fords
Forked River
Fort Dix
Fort Lee
Franklin
Franklin Center
Franklin Lakes
Franklin Park
Freehold
Frenchtown
Garfield
Garwood
Gibbsboro
Gibbstown
Gladstone
Glassboro
Glen Gardner
Glen Ridge
Glen Rock
Glendora
Gloucester City
Gloucester County
Golden Triangle
Green Knoll
Greentree
Groveville
Guttenberg
Hackensack
Hackettstown
Haddon Heights
Haddonfield
Haledon
Hamburg
Hamilton Square
Hammonton
Hampton
Hanover
Hardwick
Harrington Park
Harrison
Hasbrouck Heights
Haworth
Hawthorne
Heathcote
Helmetta
High Bridge
Highland Lake
Highland Park
Highlands
Hightstown
Hillsdale
Hillside
Ho-Ho-Kus
Hoboken
Holiday City South
Holiday City-Berkeley
Holiday Heights
Hopatcong
Hopatcong Hills
Hopewell
Hudson County
Hunterdon County
Irvington
Iselin
Island Heights
Jackson
Jamesburg
Jersey City
Keansburg
Kearny
Kendall Park
Kenilworth
Kenvil
Keyport
Kingston
Kingston Estates
Kinnelon
Lake Como
Lake Mohawk
Lake Telemark
Lakehurst
Lakewood
Lambertville
Landing
Laurel Lake
Laurel Springs
Laurence Harbor
Lavallette
Lawnside
Lawrenceville
Lebanon
Leisure Knoll
Leisure Village
Leisure Village East
Leisure Village West-Pine Lake Park
Leisuretowne
Leonardo
Leonia
Lincoln Park
Lincroft
Linden
Lindenwold
Linwood
Little Falls
Little Ferry
Little Silver
Livingston
Lodi
Long Branch
Long Valley
Lyndhurst
Madison
Madison Park
Magnolia
Mahwah
Manahawkin
Manasquan
Manville
Maple Shade
Maplewood
Margate City
Marlboro
Marlton
Martinsville
Matawan
Mays Landing
Maywood
McGuire AFB
Medford Lakes
Mendham
Mercer County
Mercerville
Mercerville-Hamilton Square
Merchantville
Metuchen
Middlebush
Middlesex
Middlesex County
Midland Park
Milford
Milltown
Millville
Monmouth Beach
Monmouth County
Monmouth Junction
Montclair
Montvale
Moonachie
Moorestown-Lenola
Morganville
Morris County
Morris Plains
Morristown
Mount Arlington
Mount Ephraim
Mount Holly
Mount Laurel
Mountain Lakes
Mountainside
Mullica Hill
Mystic Island
National Park
Navesink
Neptune City
Netcong
New Brunswick
New Egypt
New Milford
New Providence
Newark
Newfield
Newton
North Arlington
North Beach Haven
North Bergen
North Caldwell
North Cape May
North Haledon
North Middletown
North Plainfield
North Wildwood
Northfield
Northvale
Norwood
Nutley
Oak Valley
Oakhurst
Oakland
Oaklyn
Ocean Acres
Ocean City
Ocean County
Ocean Gate
Ocean Grove
Oceanport
Ogdensburg
Old Bridge
Old Tappan
Olivet
Oradell
Orange
Oxford
Palisades Park
Palmyra
Paramus
Park Ridge
Parsippany
Passaic
Passaic County
Paterson
Paulsboro
Peapack
Pemberton
Pemberton Heights
Pennington
Penns Grove
Pennsauken
Pennsville
Perth Amboy
Phillipsburg
Pine Beach
Pine Hill
Pine Lake Park
Pine Ridge at Crestwood
Piscataway
Pitman
Plainfield
Plainsboro Center
Pleasantville
Point Pleasant
Point Pleasant Beach
Pomona
Pompton Lakes
Port Monmouth
Port Norris
Port Reading
Port Republic
Presidential Lakes Estates
Princeton
Princeton Junction
Princeton Meadows
Prospect Park
Rahway
Ramblewood
Ramsey
Ramtown
Randolph
Raritan
Red Bank
Richwood
Ridgefield
Ridgefield Park
Ridgewood
Ringwood
Rio Grande
River Edge
River Vale
Riverdale
Riverton
Robbinsville
Robertsville
Rochelle Park
Rockaway
Roebling
Roseland
Roselle
Roselle Park
Rosenhayn
Rossmoor
Rumson
Runnemede
Rutherford
Saddle Brook
Saddle River
Salem
Salem County
Sayreville
Sayreville Junction
Scotch Plains
Sea Bright
Sea Girt
Sea Isle City
Seabrook Farms
Seaside Heights
Seaside Park
Secaucus
Sewaren
Shark River Hills
Ship Bottom
Short Hills
Shrewsbury
Sicklerville
Silver Ridge
Singac
Sixmile Run
Smithville
Society Hill
Somerdale
Somers Point
Somerset
Somerset County
Somerville
South Amboy
South Belmar
South Bound Brook
South Old Bridge
South Orange
South Plainfield
South River
South Toms River
South Vineland
Sparta
Spotswood
Spring Lake
Spring Lake Heights
Springdale
Springfield
Stanhope
Stratford
Strathmore
Succasunna
Summit
Surf City
Sussex
Sussex County
Swedesboro
Teaneck
Ten Mile Run
Tenafly
Tinton Falls
Toms River
Totowa
Trenton
Tuckerton
Turnersville
Twin Rivers
Union
Union Beach
Union City
Union County
Upper Montclair
Upper Pohatcong
Upper Saddle River
Ventnor City
Vernon Center
Vernon Valley
Verona
Victory Gardens
Victory Lakes
Villas
Vincentown
Vineland
Vista Center
Voorhees
Waldwick
Wallington
Wanamassa
Wanaque
Waretown
Warren County
Warren Township
Washington
Watchung
Wayne
Weehawken
Wenonah
West Belmar
West Cape May
West Freehold
West Long Branch
West Milford
West New York
West Orange
Westfield
Weston
Westville
Westwood
Wharton
White Horse
White Meadow Lake
Whitehouse Station
Whitesboro
Whitesboro-Burleigh
Whittingham
Wildwood
Wildwood Crest
Williamstown
Willingboro
Winfield
Wood-Lynne
Wood-Ridge
Woodbine
Woodbridge
Woodbury
Woodbury Heights
Woodcliff Lake
Woodland Park
Woodstown
Wyckoff
Yardville
Yorketown

NJ Commercial Loan Reviews

What do you like best about your experience with CLD?
VERY PROFESSIONAL, PATIENCE, VERY KNOWLEDGEABLE AND PUT YOU AT EASE.

Farag - Assisted Financing in Elizabethtown, NJ

What do you like best about your experience with CLD?
[loan officer] was very knowledgeable and went out of her way to help. Excellent customer service she was great and went out of her way to help me!
Crystal - Auto-dealership Financing in Brick, NJ

How would you rate our online services?
Excellent

How would you rate the responsiveness of your loan officer?
Excellent
Marco - Mixed Use Financing in , NJ