CRE Loans
Unlock the Value of Commercial Properties
Overview
CRE loans help businesses like yours buy property every day, without spending massive amounts of capital on upfront costs. You can buy investment properties, income-generating properties, or a headquarters for your own business affordably with long and short-term CRE loans available. Expand your business to meet demand without paying high interest rates.
COMMERCIAL MORTGAGES
A commercial mortgage covers the cost of property you intend to own for the long-term. Since these loans have terms of 20 years or more, lenders can charge reduced interest rates that save your business capital to reinvest. Ask your broker to help you find the best terms available.
SBA LOANS
Both SBA 7a and 504 loans can help you finance the purchase of commercial property affordably, even if you’ve been turned down for loans before. The SBA works with private lenders and non-profit Commercial Development Companies to get you the lowest rates on loans of $5M or more.
PRIVATE LOANS
Private loans are a way to finance commercial properties for the short term. Because they don’t require the same level of underwriting as banks and credit unions, private loans can be approved much faster and don’t have to rely on your credit score to qualify you. These asset-based loans can also give you extra funding to spend on repairs and renovations.
FEDERAL LOANS
The USDA and other federal agencies outside of the SBA also offer CRE loan programs for small businesses, especially if they operate in specific industries like agriculture or aquaculture. Your broker can help match you with loans designed to service your particular industry and guide you through the application process.
Key Features of CRE Loans
Loan Highlights
Commercial Real Estate (CRE) loans provide financing for businesses to purchase, develop, or refinance commercial properties such as offices, retail spaces, or warehouses.
CRE loans make commercial properties affordable.
Loans are available for any type of business.
Long-term commercial mortgage terms of 20-years or more.
Short-term options available for three months to three years.
Your Path to Funding
THREE STEPS TO FUNDING
APPLY ONLINE
Your information helps us to begin loan matching.
SOURCING
We source options for your deal, keeping you informed at all times.
CLOSE AND FUND
We support your deal through the closing and remain in touch after.
Where the journey for funding begins.
Today's financing market is complex. Equity Ridge provides the pathway to funding.
LENDERS IN OUR NETWORK
IN AVAILABLE FUNDS
FASTEST CLOSE
Benefits
CRE loans offer long-term, structured financing to help businesses invest in income-generating properties.
These loans often come with competitive interest rates and flexible repayment terms, making them ideal for expansion.
You don’t need good credit to qualify.
Rates capped by the federal government.
Low down payment minimums
Short-term loans for fix and flip investing and income-generating properties.
Things to Consider
Challenges
CRE loans typically require a significant down payment and thorough underwriting, with stricter qualification standards than other loan types.
Nonprofits don’t qualify for SBA loans.
Short-term CRE loans require careful planning to pay back on time.
Asset-based loans require collateral.
