Commercial Loan Direct (CLD) provides commercial real estate loans in Bowling Green, Ohio. On March 25th, 2026, commercial loan rates in Bowling Green, Ohio range from 5.89% to 12.85% depending on the loan program.
Commercial interest rates in Bowling Green, Ohio are based on many factors including economic factors within this area. Here are a few key statistics from the 2023 American Community Survey:
| Loan Types | Rates | LTV | Loan Amount | Max Amortization |
|---|---|---|---|---|
| Conventional | 5.89% - 8.85% | 80% | $1,000,000+ | 30 Years |
| Bridge | 6.65% - 12.85% | 80% | $1,500,000+ | I/O |
| Conduit / CMBS | 6.53% - 7.66% | 75% | $2,000,000+ | 30 Years |
| Construction | 6.4% - 8.85% | 83.3% | $1,000,000+ | I/O |
| Fannie Mae | 6.36% - 6.36% | 80% | $1,000,000+ | 30 Years |
| Freddie Mac | 6.66% - 9.33% | 80% | $1,000,000+ | 30 Years |
| FHA / HUD | 5.77% - 6.32% | 83.3% | $5,000,000+ | 40 Years |
| Insurance | 6.03% - 8.5% | 75% | $5,000,000+ | 30 Years |
| SBA 504 | 6.51% - 5.89% | 90% | $1,000,000+ | 25 Years |
| SBA 7a | 6.65% - 8.85% | 85% - 90% | $1,000,000+ | 25 Years |
| USDA | 6.9% - 8.85% | 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.
Bowling Green Interest Rates start at 5.89%. Getting a free quote is risk-free and does not impact your credit score. Our team of commercial loan experts is here to help you find the best financing solution for your needs in Bowling Green, Ohio.
Get a QuoteBowling Green, Ohio’s commercial loan market is shaped by a mix of local small businesses, regional employers, and the steady economic influence of Bowling Green State University. Financing activity commonly supports owner-occupied properties, investment real estate, and operating needs for established local companies and growing service providers.
The market generally favors borrowers who can demonstrate consistent cash flow, sound business fundamentals, and collateral strength. Properties and projects connected to stable tenancy, essential services, and durable local demand tend to receive the most favorable consideration. University-related activity can add stability to certain sectors while also creating pockets of seasonality.
Typical commercial loan borrowers in Bowling Green include professional services, medical and wellness providers, local retailers and restaurants, contractors and trades, light industrial users, and property owners seeking to improve or reposition existing buildings. Many deals are relationship-driven and supported by strong documentation and clear business plans.
Overall, Bowling Green’s commercial loan market is steady and locally oriented, with activity centered on practical business expansion, property acquisition, and reinvestment in existing commercial assets. Borrowers who present strong financials, realistic projections, and well-supported project scopes are typically best positioned to secure competitive financing outcomes.
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.
Agency, conventional, bridge, construction, and specialized options in one platform.
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Support for multifamily and commercial assets across U.S. markets.
Loan scenarios designed around property type, occupancy, and business plan.
Your assigned Loan Specialist will work with you to understand the property you wish to purchase or refinance as well as your investment strategy.
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.
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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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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