Commercial Loans

Commercial mortgage financing for business properties. Whether you are purchasing a new commercial space or refinancing existing debt, I provide the expertise and lender access to get it done right.

Last updated: April 2026

Key Facts

Commercial mortgage loans finance income-producing properties including multi-family (5+ units), retail, office, industrial, and mixed-use buildings. Underwriting focuses on property cash flow (DSCR) rather than personal income alone. Typical down payment is 20-30% with terms from 5-30 years.

What Is a Commercial Loan?

A commercial loan is a mortgage used to finance the purchase or refinance of a business property. Unlike residential loans, commercial financing is based on the property's income potential, the borrower's business financials, and the overall deal structure.

Commercial loans cover a wide range of property types including office buildings, retail storefronts, industrial warehouses, mixed-use properties, and multi-family complexes with five or more units. These programs are designed for business owners, investors, and developers who need financing tailored to commercial real estate.

Most people don't realize that a mortgage broker can handle commercial loans too. I do all loan types - residential and commercial. For investors who also need residential rental financing, our Non-QM and DSCR programs cover 1-4 unit investment properties with no tax returns required. That means one broker for everything, with access to over 90 lenders through Lumin Lending to find you the most competitive terms available.

Key Benefits

Multiple Property Types

Finance office buildings, retail centers, industrial warehouses, mixed-use properties, and multi-family complexes with 5 or more units.

Competitive Rates

With access to 90+ lenders through Lumin Lending, I shop your commercial loan across multiple investors to find competitive rates and terms.

Flexible Terms

Fixed-rate, adjustable-rate, interest-only periods, and balloon options. We match the loan structure to how you plan to hold or operate the property.

Purchase and Refinance

Whether you are acquiring a new commercial property or refinancing existing commercial debt to improve your terms, we have programs to fit your goals.

Broker Advantage - 90+ Lenders

As a wholesale mortgage broker, I am not limited to one bank. I shop your deal across 90+ lenders to find the right commercial program and a competitive rate.

Who Is This For?

Commercial loans are built for anyone who needs financing for a business-purpose property. If you own or operate a business, invest in commercial real estate, or are looking to expand your portfolio, this is for you.

Business owners purchasing office, retail, or industrial space for their operations
Real estate investors expanding their portfolios with commercial or multi-family (5+ units) properties
Property owners refinancing existing commercial debt to secure better rates or access equity
Developers seeking financing for new construction or value-add commercial projects
Anyone who needs one broker for everything - Randy handles residential and commercial, so you never need to shop around

Frequently Asked Questions

What types of commercial property can I finance?

You can finance a wide range of commercial property types including multi-family buildings with 5 or more units, retail spaces, office buildings, industrial and warehouse properties, mixed-use developments, and special purpose properties like medical offices or self-storage facilities.

What is the typical down payment for a commercial loan?

Most commercial loans require 20-30% down depending on the property type, its condition, and the strength of the borrower. Some SBA-backed programs may allow lower down payments, while higher-risk property types or borrowers may need more equity in the deal.

How are commercial loan rates determined?

Commercial rates are based on multiple factors including the property type, borrower financials, loan-to-value ratio, debt service coverage ratio (DSCR), prevailing market conditions, and the overall strength of the deal. It is not as simple as a credit score lookup like residential lending.

What is the difference between commercial and residential loans?

The biggest difference is that commercial underwriting focuses heavily on the property's cash flow and debt service coverage ratio (DSCR), not just the borrower's personal income and credit score. Terms, structures, and qualification criteria are fundamentally different from residential mortgage lending.

Can I get a commercial loan for a mixed-use property?

Yes, mixed-use properties are one of the most common commercial loan scenarios. These properties combine residential and commercial space in one building, and lenders evaluate them based on the overall income the property generates from all tenant types.

Have more questions? Visit our complete FAQ page covering all loan programs, or check the mortgage glossary for definitions of common terms.

Related Loan Programs

Non-QM / DSCR Loans

Bank statement, DSCR, and flexible programs for self-employed borrowers and investors.

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Commercial Real Estate Loans

SBA, bridge, conventional commercial - all your options explained.

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DSCR Loans Explained

How DSCR loans work for investment property financing.

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Bank Statement Loans Guide

Alternative income documentation for self-employed commercial borrowers.

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Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.

Ready to Get Started?

Let me find you the right commercial loan from our network of 90+ lenders. Apply online or schedule a call to discuss your project.

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