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Buy, refinance, or cash out

Commercial Real Estate Financing — Multiple Programs, 650 Minimum FICO

Commercial real estate financing covers buying, refinancing, or pulling equity out of income property and owner-occupied buildings. Because the building carries the loan, the deal lives or dies on the appraisal, the rent roll, and the debt service coverage — not on how good your pitch is.

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Program guidelines

AmountProgram dependent
TermProgram dependent
SpeedAs little as 30 days
Credit650+
Time in business—
Revenue—

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Buying the building you already rent
  • Refinancing a maturing balloon before it becomes a fire drill
  • Cash-out to fund expansion using equity you already have
  • Multifamily, retail, office, industrial and mixed-use

How it works

  1. We size the deal against the property's income first, then your file.
  2. Expect appraisals, environmental reports, title work and zoning documentation — due diligence is the timeline.
  3. A down payment is required; lenders want to see you have capacity to close.
  4. Processes can run as short as 30 days on the express programs, and longer with SBA 504.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Commercial Real Estate Financing — straight answers

How much down payment do I need for commercial real estate?
It varies by program and property type, and lenders explicitly want assurance you can handle the transaction. Owner-occupied SBA structures typically require the least down; investor deals require more.
How long does a commercial real estate loan take?
As little as 30 days on express programs. SBA 504 and bank deals run longer because of third-party reports.
What credit score do I need?
650+ FICO is the published minimum on most of our commercial real estate programs.

Compare with

Small Business Loans

Term Loans & Working Capital

Business Line of Credit

Draw only what you need

SBA Loans

Lowest cost, longest terms

No cost · No obligation

See if you qualify for commercial real estate financing

One application, a soft review only, and an honest read on whether this is even the right product for you.

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Checking your options does not affect your business credit. A soft review only.