Commercial Real Estate Loans - Loan Factory
Loan Factory connects businesses with the best commercial real estate financing options. Get competitive rates on office buildings, retail spaces, warehouses, and investment properties nationwide.
Commercial Real Estate Financing Solutions
Loan Factory is your trusted partner for commercial real estate financing across the United States. As experienced commercial lending specialists, we specialize in connecting property investors, business owners, and real estate developers with the most competitive commercial real estate loan programs available in today's market.
Whether you're looking to purchase an office building, retail shopping center, industrial warehouse, or multi-family investment property, Loan Factory has the expertise and lender relationships to secure the financing you need. Our team of commercial lending specialists works with over 200 approved lenders nationwide to ensure you get the best terms and rates for your commercial real estate investment.
Why Choose Loan Factory for Commercial Real Estate Loans?
With over 28 years of experience in commercial lending, Loan Factory has helped secure over $2.5 billion in commercial real estate financing for more than 15,000 satisfied clients nationwide. Our expertise spans all property types and loan programs, ensuring you get the best financing solution for your specific needs.
Commercial Property Types We Finance
Office Buildings
Professional office space financing for single-tenant and multi-tenant office buildings. Loan Factory specializes in office building acquisitions, refinancing, and development projects.
- Class A, B, and C office buildings
- Medical office buildings
- Professional service buildings
Retail Properties
Retail property financing for shopping centers, strip malls, standalone retail buildings, and mixed-use retail developments across all markets.
- Shopping centers and malls
- Strip retail centers
- Standalone retail buildings
Industrial Properties
Industrial and warehouse financing for manufacturing facilities, distribution centers, flex space, and specialized industrial properties.
- Warehouses and distribution centers
- Manufacturing facilities
- Flex and R&D space
Multi-Family Properties
Apartment building and multi-family property financing for 5+ unit residential investment properties and apartment complexes.
- 5+ unit apartment buildings
- Apartment complexes
- Student housing properties
Commercial Real Estate Loan Programs
Traditional Commercial Mortgages
Loan Factory connects borrowers with traditional commercial mortgage programs offering competitive rates and flexible terms for owner-occupied and investment properties.
Loan Amounts
$1M to $50M+
LTV Ratios
Up to 80% LTV
Terms
5-30 year terms
SBA 504 Commercial Real Estate Loans
SBA 504 loans through Loan Factory offer low down payment options for owner-occupied commercial real estate with fixed-rate financing and favorable terms.
Down Payment
As low as 10%
Fixed Rates
20-25 year fixed
Max Loan
Up to $5.5M
CMBS Commercial Loans
Commercial Mortgage-Backed Securities (CMBS) loans for larger commercial properties with competitive rates and non-recourse options.
Loan Size
$2M minimum
Non-Recourse
Available
Terms
5, 7, 10 year terms
Benefits of Working with Loan Factory
Expert Commercial Lending Knowledge
Our team of commercial lending specialists has over 28 years of experience in commercial real estate financing across all property types and markets.
Fast Approval Process
Get pre-approved in 24-48 hours and close your commercial real estate loan in as little as 30 days with our streamlined process.
Nationwide Lender Network
Access to over 200 approved commercial lenders nationwide ensures you get the most competitive rates and terms available.
Competitive Rates & Terms
Our strong lender relationships allow us to secure the most competitive commercial real estate loan rates and favorable terms for our clients.
Dedicated Loan Specialist
Each client is assigned a dedicated commercial loan specialist who guides you through the entire financing process from application to closing.
No Upfront Fees
Loan Factory charges no upfront fees for our commercial lending services. We only get paid when your loan successfully closes.
Our Commercial Real Estate Loan Process
Initial Consultation & Pre-Qualification
Contact Loan Factory to discuss your commercial real estate financing needs. Our specialists will review your property details, financial information, and investment goals to determine the best loan programs for your situation.
- Property evaluation and analysis
- Financial qualification review
- Loan program recommendations
Application Submission & Documentation
Complete the commercial loan application with assistance from your dedicated Loan Factory specialist. We'll help gather all required documentation and ensure your application is complete and competitive.
- Complete loan application assistance
- Document collection and review
- Application optimization for approval
Lender Matching & Rate Shopping
Loan Factory submits your application to multiple approved lenders in our network to secure the most competitive rates and terms. We negotiate on your behalf to get the best possible financing package.
- Multiple lender submissions
- Rate and term negotiations
- Loan offer comparison and analysis
Approval & Closing Coordination
Once approved, Loan Factory coordinates the entire closing process including appraisal scheduling, title work, and final loan documentation to ensure a smooth and timely closing.
- Closing coordination and management
- Appraisal and title coordination
- Final documentation review
Commercial Real Estate Loan FAQ
What types of commercial properties does Loan Factory finance?
Loan Factory provides financing for all types of commercial real estate including office buildings, retail properties, industrial warehouses, multi-family apartment buildings, mixed-use properties, hotels, self-storage facilities, and special purpose properties.
What are the minimum requirements for commercial real estate loans?
Minimum requirements typically include a credit score of 650+, 20-25% down payment, debt service coverage ratio of 1.25x or higher, and demonstrated experience in commercial real estate or business ownership. Specific requirements vary by lender and loan program.
How long does the commercial loan approval process take?
Loan Factory can provide pre-approval in 24-48 hours. Full approval and closing typically takes 30-45 days depending on the complexity of the transaction, property type, and loan program selected.
What documentation is required for commercial real estate loans?
Required documentation includes personal and business tax returns, financial statements, property operating statements, rent rolls, purchase agreement, personal financial statement, and business license. Your Loan Factory specialist will provide a complete checklist.
Does Loan Factory charge upfront fees for commercial loans?
No, Loan Factory does not charge any upfront fees for our commercial lending services. We are compensated by the lender only when your loan successfully closes, ensuring our interests are aligned with yours throughout the process.
Ready to Secure Your Commercial Real Estate Financing?
Contact Loan Factory today for a free consultation and competitive rate quote on your commercial real estate loan. Our experts are standing by to help you secure the best financing available.