Commercial Mortgage
Traditional long-term financing for stabilized commercial properties
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties.
Find Commercial Mortgage Lenders →🎯 Best For
- • Stabilized income properties
- • Long-term holds
- • Refinancing
- • Experienced investors
✅ Advantages
- ✓ Lower rates than bridge/hard money
- ✓ Longer terms
- ✓ Predictable payments
- ✓ Build equity over time
⚠️ Considerations
- • Stricter underwriting
- • Longer closing timeline
- • Prepayment penalties
- • Recourse may be required
Commercial Mortgage Loan Requirements
- ✓ Stabilized property with income history
- ✓ DSCR ≥ 1.20-1.25
- ✓ LTV ≤ 75-80%
- ✓ Borrower experience and liquidity
Top Commercial Mortgage Lenders
101 lenders offer commercial mortgage nationwide.
Live Oak Banking Company
SBA VerifiedWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBA VerifiedCOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBA VerifiedMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBA VerifiedCincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBA VerifiedSALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBA VerifiedGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBA VerifiedBERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBA VerifiedLOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Commercial Mortgage FAQ
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