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 | 4.99% - 8.75% |
| CMBS | $2,000,000 | 75 | 5 - 10 Years | 20 - 30 Years | 5.63% - 7.56% |
| Insurance | $5,000,000 | 75 | 5 - 30 Years | 15 - 30 Years | 5.13% - 8.40% |
| USDA | $1,000,000 | 85 | 5 - 15 Years | 15 - 30 Years | 6.00% - 8.75% |
| 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 | 4.99% - 8.75% |
| USDA | $1,000,000 | 85 | 5 - 15 Years | 15 - 30 Years | 6.00% - 8.75% |
| SBA | $1,000,000 | 90 | 3 - 25 Years | 15 - 30 Years | 5.61% - 5.79% |
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.
