Commercial Mortgages
Long-Term Financing for Owner-Occupied Commercial Properties
From $250K to $25M for office, retail, industrial, and mixed-use properties. 25–30 year amortizations with fixed or adjustable rates.
Ready to Get Started?
Apply now to get pre-qualified. Soft credit check only — no impact to your score. Instant pre-approval to share.
Rates, terms, fees, and funding timelines vary by lender, applicant eligibility, and program requirements.
Commercial mortgages provide long-term financing for owner-occupied commercial properties — office buildings, retail spaces, industrial facilities, warehouses, and mixed-use developments. Unlike residential mortgages, commercial mortgages are evaluated based on the property's income-generating potential and the business's ability to service the debt, with terms that can extend up to 30 years.
Commercial mortgages come in several structures: fixed-rate mortgages (where the interest rate stays constant for the full term), adjustable-rate mortgages (where the rate adjusts periodically based on a benchmark), and hybrid structures (fixed for an initial period, then adjustable). The right structure depends on your long-term plans for the property, your risk tolerance, and the interest rate environment.
For owner-occupied properties, the business that occupies the space typically guarantees the mortgage. The lender evaluates both the property's value and the business's financial strength — including cash flow, time in business, and the owner's personal credit. Down payments typically range from 15–30%, with lower down payments available through SBA 504 financing for owner-occupied commercial real estate.
One of the most significant advantages of owning rather than leasing your commercial space is equity building. Every mortgage payment builds equity in an appreciating asset, rather than disappearing as a lease payment. Additionally, property owners can deduct mortgage interest and depreciation, and can lease excess space to other tenants for additional income. Over time, owning your commercial property can be one of the most powerful wealth-building strategies available to a business owner.
A Simple, Fast Process
Property & Business Evaluation
The lender evaluates both the commercial property's value and your business's financial strength to determine eligibility and loan terms.
Get Pre-Qualified
A soft credit check and preliminary financial review determine your eligibility across our commercial lender network.
Compare Mortgage Offers
Review offers from multiple commercial lenders — rates, terms, amortization schedules, and down payment requirements.
Appraise & Close
The lender orders a commercial appraisal, finalizes underwriting, and closes. Funding typically takes 4–8 weeks from application.
How Businesses Use This Financing
Owner-Occupied Office
Purchase the office building your business operates in — build equity instead of paying rent to a landlord.
Retail Property Purchase
Buy the retail space your business occupies, with the option to lease excess space to other tenants.
Industrial & Warehouse
Finance a warehouse or industrial facility for your manufacturing, distribution, or logistics business.
Mixed-Use Development
Acquire a mixed-use property with commercial space on the ground floor and residential or office space above.
Refinance Existing Mortgage
Refinance an existing commercial mortgage to a lower rate or better terms, or pull cash out for business needs.
- Long-term financing — 25–30 year amortizations available
- Fixed or adjustable rate options to match your risk tolerance
- Build equity in an appreciating asset instead of paying rent
- Mortgage interest and depreciation are tax-deductible
- Lease excess space to tenants for additional income
- Stable housing costs — no landlord rent increases or lease terminations
- SBA 504 options available for lower down payments (10%)
- Property appreciation builds long-term business wealth
- ◆Owner-occupied or income-producing commercial property
- ◆Property appraisal required (commercial valuation)
- ◆Business financials — 2–3 years of tax returns and financials
- ◆Personal credit score 680+ (varies by lender)
- ◆Down payment 15–30% (10% with SBA 504 for owner-occupied)
- ◆Debt service coverage ratio (DSCR) of 1.25+ preferred
- ◆Environmental assessment may be required (some property types)
The Business Owner Who Stopped Paying Someone Else's Mortgage
How a $1.8M commercial mortgage turned rent into equity
A medical practice had been leasing its 6,000-square-foot office space for 11 years, paying $18,000 per month in rent — over $2.3 million in total rent payments with zero equity to show for it. The building owner decided to sell the property and gave the practice a 90-day notice. The practice owner could either relocate (disrupting patients and staff) or buy the building.
He came to Let's Syndicate to explore commercial mortgage options. The building was listed at $2.1M. We matched him with a commercial lender who offered a $1.8M mortgage (85% LTV) at 6.5% fixed over 25 years, with a monthly payment of $12,150 — $5,850 less per month than he had been paying in rent. The lender also offered an SBA 504 option that would have reduced the down payment to 10%, but the practice owner chose the conventional mortgage for its simpler structure.
The practice bought the building and immediately began building equity with every payment. The owner also leased 1,500 square feet of excess space to a complementary healthcare provider for $4,500/month, further reducing his net housing cost to $7,650 — less than half of what he had been paying in rent. Over the 25-year mortgage term, the practice will own a building projected to be worth $3.5M+ (assuming 2.5% annual appreciation) — wealth that would have gone to a landlord under a lease.
Result: $1.8M commercial mortgage at 6.5% fixed, 25-year term. Monthly cost reduced from $18K rent to $7,650 net. $3.5M+ projected equity at term end.
The Right Commercial Lender for Your Property Type
Commercial mortgage lending is highly specialized. Lenders who finance office buildings may not finance industrial warehouses. Lenders who offer SBA 504 may not offer conventional commercial mortgages. Lenders who specialize in owner-occupied properties may not work with investor properties. Applying to the wrong lender wastes weeks and can result in a decline that has nothing to do with your creditworthiness.
Let's Syndicate matches your specific property type and business profile with commercial lenders who actively finance that type of property. Your single application reaches multiple commercial lenders — you compare rates, terms, amortization schedules, and down payment requirements, and choose the offer that gives you the best long-term financing structure for your property.
- Lenders matched to your property type — office, retail, industrial, mixed-use
- Compare rates, terms, and amortizations from multiple commercial lenders
- SBA 504 options for owner-occupied properties with 10% down
- Conventional and SBA options compared side by side
- Avoid wasted weeks applying to lenders who don't finance your property type
Common Questions About Commercial Mortgages
A conventional commercial mortgage is a standard loan from a bank or commercial lender, typically requiring 15–30% down. An SBA 504 loan is a government-backed structure for owner-occupied commercial real estate that allows as little as 10% down, with a first mortgage from a conventional lender and a second mortgage from a Certified Development Company. SBA 504 typically offers the lowest total cost for owner-occupied properties.
Conventional commercial mortgages typically require 15–30% down. SBA 504 financing for owner-occupied properties can reduce the down payment to 10%. The exact down payment depends on the property type, your credit, your business financials, and the lender. Let's Syndicate helps you compare down payment requirements across lenders.
Commercial mortgages are for income-producing or business-occupied properties, not personal residences. They typically have shorter terms (5–20 years, though amortizations can be 25–30 years), higher rates, larger down payments, and more complex underwriting that evaluates both the property's income and the business's financial strength.
Yes. Commercial mortgage refinancing can lower your rate, extend your term, or pull cash out of your property's equity. Cash-out refinancing can fund business expansion, equipment, or working capital. Let's Syndicate helps you compare refinance offers from multiple commercial lenders.
Commercial mortgages typically take 4–8 weeks from application to closing, including property appraisal, environmental assessment (if needed), and underwriting. SBA 504 loans may take slightly longer due to the additional government processing. Let's Syndicate matches you with lenders whose timeline fits your needs.
Move forward and Let's Syndicate.
Bookmark Our Mobile App
Bookmark our mobile app on your iPhone or Android for quick access on the go. Open the app, then use your browser’s bookmark or Add to Home Screen option.
Let's Syndicate is a business funding marketplace. All credit decisions, rates, terms and outcomes are determined by participating lenders, investors or third-party providers.