Commercial Loans for Real Estate & Business Growth
Flexible financing for office buildings, retail, multifamily, warehouses, and more.
Get Pre-Qualified for a Commercial Loan Today
Tell us about your project and receive customized commercial loan options.
What Is a Commercial Loan?
A commercial loan is financing designed for purchasing, refinancing, or developing income-producing business properties.
Unlike residential mortgages, commercial loans are structured based on: Property income, Business financial strength, Collateral value and Borrower credit profile.
These loans are commonly used for: Office buildings, Retail centers, Warehouses, Multifamily properties, Mixed-use buildings
Commercial Loan Features
- Financing for purchase or refinance
- Investment property eligible
- Terms from 5 to 25 years
- 20%+ down payment required
- Structured solutions for business owners
Commercial Loan Requirements
To qualify for a commercial loan, most lenders evaluate:
Financial Requirements
Three years of business financial statements Business plan with revenue projections Collateral (real estate or business assets) Personal guarantor
Credit Requirements
Credit score typically 680+ Strong debt-to-income profile Demonstrated repayment capacity
Down Payment
Minimum 20% (may vary by property type)
Why Choose USA Loans for Commercial Financing?
We work closely with business owners and investors to structure financing aligned with long-term strategy.
- Experienced in commercial underwriting
- Customized deal structuring
- Clear documentation guidance
- Transparent communication
- Competitive market positioning
Commercial Loan FAQs
Common questions about Conventional Loans
What types of properties qualify?
Office, retail, warehouse, multifamily, and other income-producing commercial properties.
Is a personal guarantor required?
Yes, most commercial loans require a personal guarantor.
What is the minimum down payment?
Typically 20%, but it may vary depending on property and borrower profile.
Can I refinance an existing commercial property?
Yes, commercial refinance options are available.
