Commercial Real Estate Financing in North Carolina | NC Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of North Carolina. Current commercial loan rates in North Carolina range from 5.48% to 14.6%, 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 NC. We also have a dedicated page for apartment loans in North Carolina.

North Carolina Commercial Loan Programs North Carolina Economic Data North Carolina Lending Cities

North Carolina Commercial Loan Rates

Commercial Loan Types	Average North Carolina Rates	LTV	Loan Amount	Occupancy
Conventional	5.97% - 10.10%	80%	$1,000,000+	Investment + Owner Occupied
Conduit / CMBS	5.98% - 7.59%	75%	$2,000,000+	Investment
Insurance	5.48% - 7.99%	75%	$5,000,000+	Investment + Owner Occupied
FHA / HUD	5.47% - 6.32%	83.3%	$5,000,000+	Investment
USDA	6.10% - 11.10%	85%	$1,000,000+	Investment + Owner Occupied
Bridge	6.10% - 14.10%	80%	$1,500,000+	Investment
Construction	9.60% - 14.60%	83.3%	$1,000,000+	Investment
SBA	5.60% - 10.60%	85% - 90%	$1,000,000+	Owner Occupied

Types of Commercial Loans in North Carolina

Investment Property Mortgages

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 Mortgages

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.

Apply for a Commercial Loan in North Carolina

Quick Quote

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.

Locations Served in North Carolina

We are proud to be serving the state of North Carolina. Here are our commercial loan statistics for this state.

North Carolina Cities and Towns Served

119

North Carolina Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for NC below to help you understand what kind of market you are in. Simply click one of the options below to see the data for NC. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following North 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 North Carolina economic reports to get a better understanding of your market.

Aberdeen
Advance
Ahoskie
Alamance County
Albemarle
Alexander County
Alleghany County
Andrews
Angier
Anson County
Apex
Archdale
Archer Lodge
Ashe County
Asheboro
Asheville
Atlantic Beach
Avery County
Avery Creek
Ayden
Badin
Bakersville
Balfour
Banner Elk
Barker Heights
Bayboro
Bayshore
Beaufort
Beaufort County
Belhaven
Belmont
Belville
Benson
Bent Creek
Bermuda Run
Bertie County
Bessemer City
Bethel
Bethlehem
Beulaville
Biltmore Forest
Biscoe
Black Mountain
Bladen County
Bladenboro
Blowing Rock
Boiling Spring Lakes
Boiling Springs
Bolivia
Boone
Boonville
Brevard
Brices Creek
Broad Creek
Broadway
Brogden
Brunswick
Brunswick County
Bryson City
Buies Creek
Buncombe County
Burgaw
Burke County
Burlington
Burnsville
Butner
Buxton
Cabarrus County
Cajahs Mountain
Calabash
Caldwell County
Camden
Camden County
Canton
Cape Carteret
Carolina Beach
Carolina Shores
Carrboro
Carteret County
Carthage
Cary
Castle Hayne
Caswell County
Catawba County
Cedar Point
Chadbourn
Chapel Hill
Charlotte
Chatham County
Cherokee
Cherokee County
Cherryville
China Grove
Chowan County
Claremont
Clay County
Clayton
Clemmons
Cleveland County
Clinton
Clyde
Coats
Columbia
Columbus
Columbus County
Concord
Connelly Springs
Conover
Cordova
Cornelius
Cove Creek
Cramerton
Craven County
Creedmoor
Cricket
Cullowhee
Cumberland County
Currituck
Currituck County
Dallas
Dana
Danbury
Dare County
Davidson
Davidson County
Davie County
Denton
Denver
Dobson
Drexel
Dunn
Duplin County
Durham
Durham County
East Flat Rock
East Rockingham
East Spencer
Eastover
Eden
Edenton
Edgecombe County
Edneyville
Elizabeth City
Elizabethtown
Elkin
Ellerbe
Elm City
Elon
Elroy
Emerald Isle
Enfield
Enochville
Erwin
Etowah
Fairfield Harbour
Fairmont
Fairplains
Fairview
Farmville
Fayetteville
Fearrington Village
Flat Rock
Fletcher
Forest City
Forest Oaks
Forsyth County
Fort Bragg
Foscoe
Four Oaks
Franklin
Franklin County
Franklinton
Franklinville
Fremont
Fruitland
Fuquay-Varina
Gamewell
Garner
Gaston
Gaston County
Gastonia
Gates County
Gatesville
Gibsonville
Glen Alpine
Glen Raven
Goldsboro
Gorman
Graham
Graham County
Granite Falls
Granite Quarry
Granville County
Green Level
Greene County
Greensboro
Greenville
Grifton
Guilford County
Half Moon
Halifax
Halifax County
Hamlet
Hampstead
Harkers Island
Harnett County
Harrisburg
Havelock
Haw River
Hayesville
Hays
Haywood County
Hazelwood
Hemby Bridge
Henderson
Henderson County
Hendersonville
Hertford
Hertford County
Hickory
High Point
Hildebran
Hillsborough
Hoke County
Holly Ridge
Holly Springs
Hoopers Creek
Hope Mills
Horse Shoe
Hudson
Huntersville
Hyde County
Icard
Indian Trail
Iredell County
Jackson
Jackson County
Jacksonville
James City
Jamestown
Jefferson
Johnston County
Jones County
Jonesville
Kannapolis
Kenansville
Kenly
Kernersville
Kill Devil Hills
King
Kings Grant
Kings Mountain
Kinston
Kitty Hawk
Knightdale
Kure Beach
La Grange
Lake Junaluska
Lake Lure
Lake Norman of Catawba
Lake Park
Lake Waccamaw
Landis
Laurel Hill
Laurel Park
Laurinburg
Lee County
Leland
Lenoir
Lenoir County
Lewisville
Lexington
Liberty
Lillington
Lincoln County
Lincolnton
Locust
Long Beach
Longview
Louisburg
Lowell
Lowesville
Lucama
Lumberton
Macon County
Madison
Madison County
Maggie Valley
Maiden
Manteo
Mar-Mac
Marion
Mars Hill
Marshall
Marshville
Martin County
Marvin
Masonboro
Matthews
Maury
Maxton
Mayodan
Maysville
McDowell County
McLeansville
Mebane
Mecklenburg County
Midland
Midway
Millers Creek
Mills River
Mineral Springs
Mint Hill
Mitchell County
Mocksville
Monroe
Montgomery County
Moore County
Mooresville
Moravian Falls
Morehead City
Morganton
Morrisville
Mount Airy
Mount Gilead
Mount Holly
Mount Olive
Mount Pleasant
Mountain Home
Mountain View
Moyock
Mulberry
Murfreesboro
Murphy
Murraysville
Myrtle Grove
Nags Head
Nash County
Nashville
Navassa
Neuse Forest
New Bern
New Hanover County
Newland
Newport
Newton
Norlina
North Wilkesboro
Northampton County
Northchase
Northlakes
Norwood
Oak Island
Oak Ridge
Oakboro
Ogden
Onslow County
Orange County
Oxford
Pamlico County
Pasquotank County
Pembroke
Pender County
Perquimans County
Person County
Pilot Mountain
Pine Knoll Shores
Pine Level
Pinebluff
Pinehurst
Pinetops
Pineville
Piney Green
Pitt County
Pittsboro
Plain View
Pleasant Garden
Pleasant Hill
Plymouth
Polk County
Polkton
Princeton
Princeville
Pumpkin Center
Raeford
Raleigh
Ramseur
Randleman
Randolph County
Ranlo
Red Oak
Red Springs
Reidsville
Rhodhiss
Richlands
Richmond County
River Bend
River Road
Roanoke Rapids
Robbins
Robbinsville
Robersonville
Robeson County
Rockfish
Rockingham
Rockingham County
Rockwell
Rocky Mount
Rocky Point
Rolesville
Rose Hill
Roseboro
Rowan County
Rowland
Roxboro
Royal Pines
Rural Hall
Rutherford College
Rutherford County
Rutherfordton
Saint James
Saint Pauls
Saint Stephens
Salem
Salisbury
Sampson County
Sanford
Sawmills
Saxapahaw
Scotland County
Scotland Neck
Scotts Mill
Sea Breeze
Seagate
Selma
Seven Lakes
Shallotte
Sharpsburg
Shelby
Sherrills Ford
Siler City
Silver Lake
Skippers Corner
Smithfield
Sneads Ferry
Snow Hill
South Gastonia
South Henderson
South Rosemary
Southern Pines
Southern Shores
Southmont
Southport
Sparta
Spencer
Spindale
Spring Hope
Spring Lake
Spruce Pine
Stallings
Stanfield
Stanley
Stanly County
Statesville
Stedman
Stokes County
Stokesdale
Stoneville
Stony Point
Summerfield
Sunset Beach
Surf City
Surry County
Swain County
Swannanoa
Swanquarter
Swansboro
Swepsonville
Sylva
Tabor City
Tarboro
Taylorsville
Thomasville
Thurmond
Toast
Tobaccoville
Transylvania County
Trent Woods
Trenton
Trinity
Troutman
Troy
Tryon
Tyro
Tyrrell County
Union County
Unionville
Valdese
Valley Hill
Vance County
Vander
Wadesboro
Wake County
Wake Forest
Walkertown
Wallace
Wallburg
Walnut Cove
Wanchese
Warren County
Warrenton
Warsaw
Washington
Washington County
Watauga County
Waxhaw
Wayne County
Waynesville
Weaverville
Weddington
Welcome
Weldon
Wendell
Wentworth
Wesley Chapel
West Canton
West Jefferson
West Marion
West Raleigh
Westport
Whispering Pines
White Plains
Whiteville
Wilkes County
Wilkesboro
Williamston
Wilmington
Wilson
Wilson County
Wilsons Mills
Windsor
Wingate
Winston-Salem
Winterville
Winton
Woodfin
Wrightsboro
Wrightsville Beach
Yadkin County
Yadkinville
Yancey County
Yanceyville
Youngsville
Zebulon