Commercial Real Estate Loans–what is best for you, the SBA 7a, 504, asset based lending, or do you need a bridge loan?

There are many different types of commercial loans and each one is designed for a different type of commercial consumer. How you plan on using the property, down payment amounts, credit scores, how long you've been in business, and may other factors determine what type of loan is best for you!

Below are a few of the general commercial loan programs we offer. For more detail talk to one of our mortgage specialists.

SBA Standard 7(a) Loan

The 7(a) loan is the most common SBA loan and is the best option when used to purchase commercial real estate. The loan includes financial help for small businesses with special requirements.

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SBA 504 Loan Programs

The 504 loan is a common SBA loan and is your best option for fixed-rate and long-term financing for fixed assets such as buildings, facilities, and land. 

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Conventional Loan Programs

Conventional commercial loans tend to be the most straight forward type of commercial loan. They are what you would expect-a commercial mortgage backed by commercial property. The lender is typically a bank, credit union, or other type of investment institution.

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Commercial Bridge Loans

Commercial Bridge Loans allow borrowers interim financing during a non-residential property stabilization, which generally requires improvements of the property condition or rental occupancy rate, until permanent take-out financing is achievable.

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Asset-Based Loans

Asset-based loans provide borrowers an opportunity to leverage the value of the property as well as other hard assets to secure a loan. There are two property types to consider when applying for an asset-based loan, residential and commercial. 

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To talk to an expert and determine what loan type is best for you, give us a call (727) 784-5555 or start an application.

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