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Office Commercial Loans & Mortgages

Commercial Loan Direct finances office acquisitions, refinances, and repositioning projects nationwide with transparent terms and low closing costs.

Office building loan financing

Get competitive office commercial loans for single-tenant, multi-tenant, suburban, or CBD assets. We structure CMBS, bank, life company, bridge, and construction financing tailored to occupancy, rollover schedules, and market dynamics.

Use cases: acquisition, rate-and-term refinance, cash-out for TI/LC packages, recapitalizations, and value-add repositioning.

Office Loan Programs

Compare fixed and floating options across CMBS, bank, agency small-balance, bridge, mezzanine, and construction loans. Use our office loan calculator to estimate maximum proceeds.

Loan Type Min Loan Amount Max LTV Term Length Amortization Rates
Conventional $1,000,000 75 3 - 15 Years 15 - 30 Years 4.86% - 8.75%
CMBS $2,000,000 75 5 - 10 Years 20 - 30 Years 5.74% - 7.71%
Insurance $5,000,000 75 5 - 30 Years 15 - 30 Years 5.14% - 8.54%
USDA $1,000,000 85 5 - 15 Years 15 - 30 Years 5.25% - 9.60%
Bridge $3,000,000 75 1 - 3 Years 15 - 30 Years 5.75% - 12.75%
Construction $3,000,000 75 1 - 3 Years 15 - 30 Years 5.50% - 8.75%
Loan Type Min Loan Amount Max LTV Term Length Amortization Rates
Conventional $1,000,000 80 3 - 15 Years 15 - 30 Years 4.86% - 8.75%
USDA $1,000,000 85 5 - 15 Years 15 - 30 Years 5.25% - 9.60%
SBA $1,000,000 90 3 - 25 Years 15 - 30 Years 5.67% - 5.87%

Key Highlights

  • Flexible amortizations up to 30 years with partial or full-term interest-only where eligible.
  • Proceeds sized to DSCR, stabilized NOI, and market vacancy; cash-out available for TI/LC reserves.
  • Non-recourse options with standard carve-outs; assumable CMBS executions available.
  • Rate locks to hedge during lease-up or capital improvement phases.
  • Experienced underwriting team for medical office, creative office, and suburban campuses.

Eligibility Snapshot

  • Typically 70–75% max LTV for stabilized office; lower leverage for transitional assets.
  • Minimum loan sizes often start around $1MM; larger balance preferred for CMBS and life co.
  • Rent rolls, trailing 12-month P&L, and lease rollover schedule required.
  • Environmental, appraisal, and engineering reports ordered during diligence.

FAQs About Office Commercial Loans

Current rent roll, trailing-12 operating statement, year-to-date financials, lease abstracts, and a capex/TI plan if applicable.

Yes. Bridge loans can fund lease-up and capital improvements; stabilized executions prefer staggered lease maturities and strong tenants.

Many CMBS, bank, and bridge options include partial- or full-term interest-only based on leverage, DSCR, and business plan.

Yes. Cash-out is available subject to leverage and DSCR; reserves can be structured for TI/LC and future rollover.

This is a summary of potential terms and does not constitute a loan commitment. Formal credit approval and due diligence are required.

Get A Free Quote

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What Clients Say About Us

Our Reviews

Unfiltered Reviews
Fernando and Leanne are Amazing

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

She Took Care of All My Needs

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

Commercial Loan Direct Streamlined the Whole Process

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