Commercial Loan Rates, Commercial Mortgage Rates
COMMERCIAL RATES ARE EXTREMELY LOW NOW. Scroll below to see.
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By Jeff Rauth, President |
We are actively closing commercial mortgages and offer flexible underwriting, great rates, low fees and again we are still closing loans! Just because your local banks has let you down, doesn't mean we will. Fill out our pre approval form to get real, meaningful answer.
Take a look at our 25 year FIXED loan program. It's our smartest loan and boats 90% financing... Put you loan "to bed" and never worry about it again.
Commercial Mortgage Rates
The rates below are for loan amounts between $400,000 and $8,000,000, on virtually all property types. Amortization schedules range from 15 - 25 years. These loans refix themselves when the fix period expires, for the same length of time (Ie a 5 year fixed, refixes itself for another 5 years). There are no balloons. Credit scores as low as 650. The rates below are for general purpose properties, such as office, retail, and industrial. Special purpose properties, such as restaurants have higher rates. Note we have many other loan programs that fit virtually any situation, from the strongest of borrowers, to those that are struggling to receive financing. Give us a shot to earn your business, take the first step by filling out our pre approval form for specific quotes and answers to your situation.
| Fixed Periods | Owner User | Investors |
| 1 Year Fixed | 3.71% - 4.71% | 3.71% - 4.46% |
| 3 Year Fixed | 4.09% - 5.09% | 4.09% - 4.84% |
| 5 Year Fixed | 4.35% - 5.58% | 4.35% - 5.08% |
| 10 Year Fixed | 5.32% - 6.74% | 5.32% - 6.24% |
| 25 Year Fixed | 5.25% - 6.82% | NA |
SBA Loan Rates, SBA Debenture Rates, SBA 504 Rates
The rates below are for SBA 7a loans or SBA 504 loans. SBA loans can go up to 90% loan to value on either purchase or refinance transaction. These commercial rates are for loan amounts from $400,000 - $12,000,000. Go here for other related information on SBA loan rates.
| SBA Loan Program | Rate | Amortization Schedule, Fixed Period |
| SBA 504 Debenture Rates | 4.721% | 20 Years, 20 Years Fixed |
| SBA 504 1st Lien Position Loans | 4% - 7% | 15 - 25 Years, 1 - 25 Years Fixed |
| SBA 7a Loan | 4.75% - 6% | 25 Years, Up to 5 Years Fixed |
Want specific commercial mortgage rates on your transaction? Fill out our Pre Approval Form now to get started. Note we have a wide variety of loan programs to work with and are experts at this business.
General Information on Current Commercial Mortgage Rates
Commercial mortgage rates consist of 1. an index and 2. the margin that the funding bank
![]() New Build, Closed SBA 7a, Buford, GA |
![]() Recent Closing Howell, Michigan |
![]() Recent Closing, Refinance Dallas Tx |
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Commercial Loan Rates, Commercial Mortgage Rate
The most commonly used index behind commercial loan rates, for owner occupied properties, continues to be PRIME, LIBOR, SWAPS and the Treasury Indexes. Margins on top of these indexes typically range from 2% - 4.5%, though for special use and or difficult transactions the margins can be as high as 6% or more.
Commonly used indexes for investment properties are the Treasuries, LIBOR, and the FHLB seem to becoming more popular. Margins for investment properties also range widely based on loan amount, strength of tenants, market characteristics, historical cash flow, loan to value and debt coverage ratio's.
If possible it is best to receive your rate quote in writing and in the form of an index plus margin fashion, rather than just showing the Effective Rate. Sometimes lenders will simply quote the rate and leave out the margin and index which weakens the borrowers position. For example, should the underlying index's rate drop during the processing and underwriting of the loan it will be difficult for the borrower to create an argument as to why they should have a reduction in rate - simply because they do not know what the index being used is. Further, rate locks are not that common in the commercial mortgage industry.
Trying to get a commercial mortgage secured? Fill out our mini commercial loan application to receive your customized commercial loan rate.
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







