Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Wyoming. Current commercial loan rates in Wyoming range from 5.04% 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 WY.
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.
Wyoming’s commercial lending market is small, conservative, and highly relationship-driven. Capital is available primarily through community and regional banks, but underwriting emphasizes cash-flow stability, borrower strength, and market liquidity. Lenders favor essential-use properties and proven operators over speculative or highly leveraged strategies.
Owner-occupied properties are among the most lender-friendly transactions in Wyoming, particularly when backed by long-established local businesses with consistent operating history.
Industrial, warehouse, and energy-support properties tied to mining, energy services, agriculture, and regional logistics can underwrite well when tenancy and operations are stable.
Essential retail and service properties (medical offices, grocery-anchored centers, fuel stations, professional services) are viewed favorably due to steady local demand.
Stabilized multifamily can finance when occupancy and collections are solid, especially workforce housing in core population centers.
Office properties are underwritten cautiously, especially older buildings or assets in smaller towns with limited tenant depth.
Hospitality and resort-oriented assets are financeable but heavily scrutinized due to seasonality, tourism dependence, and operating volatility.
Value-add and transitional deals face tighter leverage and higher equity requirements, particularly when reliant on aggressive lease-up or rent growth assumptions.
Cheyenne: The most lender-active market, supported by government employment and regional business activity.
Casper: Energy and industrial activity influence lending, with conservative leverage and focus on borrower liquidity.
Jackson Hole: Financing is highly selective due to pricing, liquidity, and reliance on tourism, despite strong asset values.
Secondary and rural markets: Lending is extremely relationship-driven, with conservative leverage and emphasis on essential-use properties.
Community and regional banks dominate commercial lending. Local relationships, deposits, and borrower reputation play a major role in approvals.
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.
Market size and exit liquidity are central underwriting considerations.
Economic concentration, particularly energy and tourism, is closely reviewed.
Expense realism, including utilities, insurance, and maintenance in remote or cold regions, is stressed in lender models.
A strong Wyoming loan request typically includes conservative leverage, stable historical NOI, strong guarantors, and a straightforward business plan.
Deals built on aggressive assumptions or short-term exit strategies tend to struggle.
Wyoming is a capital-available but highly conservative lending market. Owner-occupied, stabilized multifamily, and essential-use properties offer the clearest paths to financing, while office, hospitality, and speculative projects face tight underwriting and lower leverage.
We are proud to be serving the state of Wyoming. Here are our commercial loan statistics for this state.
14
Commercial loan direct provides services in the following Wyoming 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 Wyoming economic reports to get a better understanding of your market.
Get a free commercial loan quote. This process does not affect your credit score.
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
We found an account with the email address you provided. Let's get you logged in by putting your password below.