Commercial Term Loans

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Commercial Term and Permanent Loans:

Key Features Across Programs:

  • Loan-to-Value (LTV): Up to 75%, depending on the loan program
  • Loan Amounts: From $500,000 to $100 million
  • Loan Types: Fixed and Floating rates available
  • Rates: Starting at 7% for Permanent Loans and 8.49% for general Commercial Term Loans
  • Terms: Up to 30 years, with fixed terms of 5, 10, 15, 20, and 30 years
  • Closing Timeline: Typically 21–40 days

Program-Specific Highlights:

  • Permanent Loans:

    • Ideal for stabilized properties requiring long-term financing.
    • Includes Mezzanine & Joint Venture Equity options for larger projects.
    • Allows property improvement financing (Rehabs, Repositions, PIPs, Reflags).

  • General Commercial Term Loans:

    • Flexible financing for purchase, refinance, and cash-out scenarios.
    • Includes Mixed-Use, Multifamily (5+ units), Office, Industrial, and Retail properties.

Eligible Property Types:

  • Stabilized assets: Office, Industrial, Retail, and Multifamily (5+ units)
  • Short-term rental properties (Vrbo, AirBnB)
  • Hospitality, Agricultural, and Special Use properties

Borrower Requirements:

  • Credit Score (FICO): Minimum 680 depending on program
  • Debt Service Coverage Ratio (DSCR): Minimum 1.25 depending on program

Special Features and Availability:

  • SBA and USDA Loans available for qualifying borrowers
  • Recourse and Non-Recourse financing options
  • Nationwide coverage (excludes NY, NV, AZ, ND, SD)

Rates And Terms Subject To Change

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Commercial Term Loans: Flexible Financing for Growth and Stability

Commercial Term Loans provide businesses with a fixed amount of funding, repaid over a set period with predictable monthly payments. Whether you’re looking to expand operations, purchase equipment, or manage cash flow, this type of loan is designed to support your goals with clarity and stability.

Key Features:

  • Structured Repayment: Loans are repaid over a predetermined term, typically ranging from 1 to 10 years. This structure makes budgeting straightforward, with consistent payments that help avoid surprises.
  • Fixed or Variable Rates: Depending on your financial strategy, you can choose a fixed-rate loan for steady payments or a variable-rate option that adjusts with market trends.
  • Secured or Unsecured Options: Term loans can be secured by collateral, like equipment or real estate, or offered unsecured based on your creditworthiness and business financials.

How It Works:

  1. Loan Amount: Businesses borrow a specific amount upfront, tailored to their needs.
  2. Repayment Period: Choose a term length that aligns with your cash flow and financial planning.
  3. Interest Terms: Select between fixed or variable interest rates to suit your risk tolerance and market outlook.
  4. Disbursement and Use: Funds are disbursed in a lump sum, giving you immediate resources for planned investments or expenses.

Commercial Term Loans are ideal for businesses seeking a straightforward way to finance large-scale initiatives or bridge significant financial needs. Their clear terms and customizable features make them a reliable choice for businesses at any stage of growth.

Ready to explore your options? Review our current rates and terms to see how we can help power your business forward.