Commercial real estate loans help secure the property your business needs
Longer-term financing for purchasing, refinancing, renovating, developing, or constructing commercial property for your business.
Commercial real estate loan terms, rates, and approval requirements vary by lender, property, and borrower qualifications.
What is a commercial real estate loan?
A commercial real estate loan helps businesses purchase, refinance, renovate, develop, or construct commercial property. These loans are typically secured by liens on the commercial property and are intended for business-use real estate, not residential property.
Commercial real estate financing can be used for more than buying a new property. Businesses may also use it to refinance existing commercial real estate, fund renovations, improve facilities, or support long-term property needs tied to growth.
Because commercial real estate loans are different from residential mortgages, lenders review factors such as property type, loan-to-value ratio, business financials, debt obligations, cash flow, and borrower qualifications. BFS can help business owners compare options and understand what documentation may be needed.
Property financing for long-term business growth
Commercial real estate loans are designed for businesses that need capital tied to property acquisition, improvement, or refinancing.
Property-backed financing
Commercial real estate loans are generally secured by liens on the commercial property being purchased, refinanced, or improved.
Longer repayment terms
Terms may range from five years up to 20 years, depending on the lender, property, business profile, and loan structure.
Automatic monthly payments
Repayment is typically structured through automatic monthly payments from the approved account on file.
When commercial real estate financing makes sense
A commercial real estate loan can be a strong fit when your business needs to purchase a property, refinance an existing commercial mortgage, renovate a facility, expand into a new location, or develop property for business use.
This type of financing is best suited for businesses with clear property needs, sufficient financial documentation, and a long-term plan for how the real estate supports revenue, operations, or growth.
A strong fit for businesses that need:
- ✓Capital to purchase commercial property
- ✓Financing for renovations or property improvements
- ✓Refinancing for existing business real estate
- ✓Longer repayment terms tied to property use
- ✓Support comparing commercial mortgage and financing options
Commercial real estate loans help businesses facilitate property needs
Gather these documents to begin reviewing commercial real estate financing options.
Valid identification
A driver's license or other government-issued form of identification.
Tax returns or financials
Typically two years of business tax returns, financial statements, or comparable financial documentation.
Schedule of debts
A current summary of business debts, obligations, and existing financing.
Property details
Information about the commercial property, intended use, purchase, refinance, renovation, or construction plan.
Apply in a few minutes. Move toward property financing with clarity.
Easy application
Apply online or contact an advisor. We'll gather business details, financials, debt information, and property goals.
Property review
The lender reviews property type, value, loan-to-value ratio, business financials, cash flow, and intended use of funds.
Approval & terms
If eligible, review available loan options, repayment terms, required documentation, and closing conditions.
Funding & support
Finalize closing requirements and use the funds for purchase, refinance, renovation, development, or construction needs.
Commercial real estate loans FAQs
Commercial real estate financing with BFS
Secure the property your business needs for long-term growth. Our advisors can help you compare commercial real estate financing options and prepare for lender review.