Commercial Loan Direct (CLD) provides commercial real estate loans in the state of South Carolina. Current commercial loan rates in South Carolina 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 SC.
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.
South Carolina’s commercial lending market is active, growing, and underwriting-driven. Capital is available through community, regional, and national lenders, but approvals have become more selective. Lenders emphasize cash-flow durability, expense control, and realistic assumptions around rent growth and exit liquidity, especially in fast-growing coastal and metro markets.
Industrial and logistics properties are among the most lender-favored asset classes statewide, particularly along major interstate corridors and port-adjacent markets. Modern facilities with strong tenant demand underwrite best.
Owner-occupied properties remain highly financeable, especially when supported by established operating businesses with consistent historical cash flow.
Stabilized multifamily can finance when occupancy and collections are solid, though lenders closely review recent supply growth and operating expenses.
Service-based and necessity retail (medical offices, grocery-anchored centers, professional services) continues to attract lender interest when tenancy is durable.
Office is underwritten cautiously, particularly older suburban buildings and assets with limited tenant depth.
Hospitality is financeable but conservative underwriting applies due to seasonality and exposure to tourism cycles.
Value-add and transitional deals face tighter leverage and higher equity requirements, especially when reliant on aggressive lease-up or rent growth assumptions.
Charleston Metro: Strong lender interest driven by population growth and tourism, with conservative treatment of hospitality and office assets.
Greenville–Spartanburg: Manufacturing and logistics growth supports lender appetite for industrial and owner-occupied properties.
Columbia: Stable lending environment supported by government, education, and healthcare.
Coastal markets: Lenders closely examine insurance, hurricane, and flood exposure, often limiting leverage.
Regional and national banks are active and competitive, especially for stabilized assets and relationship-driven borrowers.
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 higher-leverage deals, typically at higher cost.
Insurance and climate exposure are central underwriting factors, particularly in coastal areas.
Supply risk in fast-growing markets is closely evaluated, especially for new multifamily projects.
Sponsor experience and liquidity carry significant weight in credit decisions.
A strong South Carolina loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals relying on aggressive rent growth, rapid repositioning, or short-term exit strategies tend to struggle.
South Carolina is a capital-available but underwriting-driven lending market. Industrial, owner-occupied, stabilized multifamily, and essential-use properties offer the clearest paths to financing, while office, hospitality, and transitional projects face tighter terms.
We are proud to be serving the state of South Carolina. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following South Carolina 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 South Carolina 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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