Commercial Refinance
Commercial refinance allows property owners to replace an existing loan with new financing to lower payments, access equity, or improve loan terms.
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Ownership of an existing commercial property
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Current mortgage or loan to refinance
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Sufficient property equity
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Good property condition and market value
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Stable cash flow or rental income
Commercial Real Estate Line of Credit
A commercial real estate line of credit provides flexible, revolving access to capital secured by property equity, allowing owners to draw funds as needed and pay interest only on what they use.
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Commercial property with available equity
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Strong business or borrower credit profile
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Ability to service interest on drawn amounts
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Clear purpose for line of credit (e.g., improvements, working capital)
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Documentation of property ownership and income
Cash-Out Refinance
A cash-out refinance lets property owners refinance an existing loan and pull out equity as cash for investments, improvements, or other business needs.
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Ownership of a commercial property with built-up equity
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Existing mortgage eligible for refinancing
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Creditworthy business or borrower
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Property appraisal supporting requested cash-out amount
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Stable rental income or cash flow
Permanent / Agency Loans
Permanent or agency loans are long-term commercial property loans, often backed by government-sponsored entities, offering stable interest rates and predictable repayment terms.
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Eligible commercial property type (multi-family, office, industrial, etc.)
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Strong borrower credit and financial history
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Stable and verifiable rental income or cash flow
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Property appraisal confirming value
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Compliance with agency guidelines (if applicable)