Definition: A commercial loan is a loan between a business and a bank to fund capital expenditures and/or operating costs. Commercial loans come in two forms - owner-occupied mortgages and investment mortgages. If the property's sponsor(s) use over 50 percent of the building's useable square footage, the commercial loan is said to be a owner-occupied commercial loan. Otherwise the commercial loan is considered to be an investment mortgage. To be considered a commercial loan the property being funded must be zoned commercial and not residential.
Listed below are a few resources that may be beneficial in your understanding of commercial loans and how they work.
For information on how to qualify for a commercial loan please visit our 5 steps to get a commercial loan article. For other questions in the requirements of getting a commercial loan, you may also visit our faqs page, or send us a message through our contact form.
For current commercial mortgage rates you can visit our commercial loan rates page or our apartment loan rates page if the property is multifamily.
The types of commercial loans available are listed as follows:
To find out what type of loan you may qualify for, you may visit our loan finder tool.
To apply for a commercial loan, simply fill out our free quote request. You may also use our free commercial loan forms during the process to help expedite your loan application.
We provide many financing options for hotels and hospitality properties including SBA, Conventional, CMBS, Insurance, and USDA Loan programs.
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Owner occupied commercial real estate mortgages by the #1 online mortgage banker. Commercial Loan Direct provides OO loans for SBA, USDA, and Conventional programs.
About Commercial Loan Direct. Learn more about our company profile and corporate structure.
We provide office commercial loans at low rates. Office commercial loans include conventional, CMBS, insurance, USDA, bridge, construction, and SBS commercial loans.
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Lending partners - Affiliates and Referrals - Learn more about partnering with Commercial Loan Direct
Manufactured housing apartment loans and manufactured housing multifamily mortgages by Commercial Loan Direct. Offering lowest rates and lowest closing costs. Commercial mortgage lender offering manufactured housing apartment financing, manufactured housing mortgages, and manufactured multifamily home mortgages.
