Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Wisconsin. Current commercial loan rates in Wisconsin range from 5% to 12.95%, 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 WI.
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.
Wisconsin’s commercial lending market is stable, well-capitalized, and underwriting-driven. Capital is available through community, regional, and national lenders, but approvals hinge on cash-flow durability, expense discipline, and borrower strength. Lenders favor conservative structures and proven operators over aggressive growth strategies.
Industrial and manufacturing-related properties are among the most lender-favored asset classes statewide, particularly those tied to food processing, equipment manufacturing, and regional logistics. Stable tenancy and long-term use cases support underwriting.
Owner-occupied properties remain highly financeable, especially when backed by established operating businesses with consistent historical cash flow.
Stabilized multifamily can finance well when occupancy and collections are solid. Workforce and mid-market housing typically underwrite better than luxury Class A product.
Essential retail and service properties (medical offices, grocery-anchored centers, professional services) continue to attract lender interest due to steady demand.
Office is underwritten cautiously, particularly older suburban buildings and assets in smaller cities with limited tenant depth.
Value-add and transitional deals face tighter leverage and higher equity requirements, especially when reliant on aggressive lease-up or rent growth assumptions.
Hospitality is financeable but conservative underwriting applies due to seasonality and exposure to tourism.
Milwaukee Metro: The deepest lender pool in the state, with strong appetite for industrial, owner-occupied, and stabilized multifamily assets.
Madison: Supported by education, healthcare, and government employment, with lender interest in multifamily and essential-use properties.
Green Bay and Fox Valley: Manufacturing and logistics activity supports industrial lending.
Secondary and rural markets: Financing is more relationship-driven, with conservative leverage and emphasis on essential-use properties.
Community and regional banks are very active and relationship-focused, often offering competitive terms for stabilized assets.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
National and institutional lenders participate selectively, typically for larger, stabilized assets in primary markets.
Debt funds and non-bank lenders fill gaps for transitional or higher-leverage deals, usually at higher cost.
Expense realism, including utilities, maintenance, and labor in colder climates, is closely stressed.
Tenant quality and lease durability play a major role in credit decisions.
Sponsor experience and liquidity often matter as much as property-level metrics.
A strong Wisconsin loan request typically includes conservative leverage, stable historical NOI, experienced sponsorship, and clear alignment with local economic demand.
Deals built on aggressive rent growth, rapid repositioning, or speculative assumptions tend to struggle.
Wisconsin 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 Wisconsin. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Wisconsin 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 Wisconsin 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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