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 →When does a bank commercial mortgage beat CMBS?
Usually when you need flexibility more than perfect permanent-debt optics. If the property may be sold, refinanced, recapitalized, or partially released before maturity, a bank lender that keeps the loan on balance sheet can be much easier to work with than securitized debt.
That is why borrowers comparing permanent options should read CMBS vs. Bank Loans before picking the cheapest coupon. A slightly higher-rate bank quote can still be the better loan if the exit path is cleaner and the lender can say yes to future changes.
If the bank term sheet still leaves a real capital gap, the next question is whether to bring more common equity or add a mezzanine loan. That extra layer can solve leverage, but only if the asset and exit are strong enough to support the full stack.
🎯 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
What are the requirements for Commercial Mortgage loans?
- ✓ Stabilized property with income history
- ✓ DSCR ≥ 1.20-1.25
- ✓ LTV ≤ 75-80%
- ✓ Borrower experience and liquidity
Who are the 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.
Frequently asked questions about commercial mortgage
What's the difference between a commercial mortgage and a residential mortgage? ▼
Guides & resources
DSCR vs. Conventional Loans
Compare commercial mortgage options.
GuideCMBS vs. Bank Loans
How securitized debt compares with bank financing for stabilized properties.
GuideFirst-Time Commercial Borrower Checklist
If this is your first commercial mortgage, build the screen package before you spend money on appraisal and legal.
Are you a lender offering commercial mortgage?
Aloan helps commercial lenders underwrite Commercial Mortgage deals faster with AI-powered analysis. Reduce turnaround from weeks to minutes.
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