Fixed Rate Commercial Mortgage
Long term commercial fixed rate financing is still available. These loans are structured with fixed rates from 5, 10 and even 25 years. On our popular 25 year fixed loan, the rate and amortization schedule is the same, ie 25 year fixed, with a 25 year amortization schedule, similar to a residential loan. Actual interest rates and fees are also competitive.
We don't need to tell you, in these uncertain times and with inflation looming, having
Loan amounts range from $500,000 - $20,000,000. Theses program are for both commercial real estate investors or owner user.
Long Term Fixed Rate Commercial Loans:
- No concerns over potential future rate increases.
- Competitive interest rates.
- Debt Coverage Ratio's as low as 1.05 for credit tenant financing.
- Debt Coverage Ratio's as low as 1.15 for owner users ie small businesses.
- Loan to value for non credit tenants up to 75%, 90% for credit tenants.
- Limited to no personal recourse.
- SBA loans available for owner user transactions
- Lending area - Nationwide.
Note these programs are geared for borrowers that have plans to hold onto the properties long term. Prepayment penalties are more expensive than traditional bank loans. Ranging from Yield Maintenance to 5% for 5 years. If you think that there is a good chance you will want to sell the property in the near future, this may not be your ideal program. However, most of these programs do allow for and have assumption clauses.
Fixed Rate Commercial Mortgages - Other:
- Virtually all property types are eligable, including credit tenant, owner users, office, retail, warehouse, self storage, light industrial, (gas station, churches, c stores are excluded).
- Borrower needs personal credit score of at least 650
- Loan amount ranges for $500,000 - $20,000,000
- Borrowers need to be well experienced in their given field (3 years).
Fill out our mini commercial loan application to take the first step.
Other Related Commercial Loan Programs:
- Commercial Real Estate Loans
- USDA B & I loans
- SBA 7a Loans
- Conventional Bank Loans
- Commercial Mortgage Refinance
- Small Commercial Mortgage
- Commercial Construction Loans
- Commercial Equity Loan - No Longer available
- Commercial 15 Year Fixed
- Owner Occupied Commercial Loans
- Interest Only Commercial Loans
- Commercial Second Mortgage - No Longer available
- Business Debt Consolidation Loan
General Topics Related to Commercial Financing:
- Commercial Mortgage Underwriting - Basics of
- Commercial Loan Rates - Description of and update list of indexes
- Commercial Loan Calculator
- Commercial Mortgage Lenders
- Commercial Loan News
- Commercial Lease vs Own
- Commercial Loan Programs - Description of
- Commercial Mortgage Business -Overview for brokers




