Commercial Mortgage in Louisville, KY
Find lenders offering commercial mortgage in the Louisville, including Jeffersontown, Frankfort, Elizabethtown, and surrounding areas. Compare rates, terms, and programs from 18 lenders.
Commercial Mortgage Lenders Serving Louisville
18 lenders offering commercial mortgage in the Louisville, KY area.
Live Oak Banking Company
SBAWILMINGTON, 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
SBACOLUMBUS, 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
SBAMiami, 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
SBACincinnati, 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
SBASALT 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.
Readycap Lending, LLC
SBABERKELEY 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.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Brookline Bank, a Division of Beacon Bank and Trust
SBABrookline, MA
Community bank in the Boston metro area and SBA preferred lender. Offers SBA 7(a) loans for business expansion, equipment, and commercial real estate, along with conventional commercial lending and treasury services.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
SBAColumbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
SBAELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
Old National Bank
SBAEVANSVILLE, IN
Midwest-based regional bank and SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, commercial real estate financing, treasury management, and wealth management for small and mid-sized businesses.
Lendistry SBLC, LLC
SBALos Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Louisville Commercial Real Estate Market
Louisville's commercial real estate market is uniquely shaped by UPS's Worldport at Louisville Muhammad Ali International Airport, the largest automated package handling facility in the world, which has made the metro a top-tier logistics and e-commerce distribution hub. The Bourbon District and NuLu (New Louisville) neighborhood have driven adaptive reuse and mixed-use development east of downtown, while the Hurstbourne Parkway and Shelbyville Road corridors in the East End remain the primary suburban office and retail markets. The bourbon industry's rapid growth has created specialized demand for rickhouse warehousing, distillery tourism facilities, and related production space, particularly in the Urban Bourbon Trail area and surrounding Bullitt and Nelson counties. Humana's headquarters in downtown Louisville anchors the metro's healthcare and insurance employment cluster.
Key Economic Drivers
- ●UPS Worldport at SDF Airport and surrounding logistics and e-commerce fulfillment operations
- ●Humana headquarters and healthcare services employment cluster
- ●Bourbon industry expansion driving rickhouse, distillery, and hospitality CRE demand
- ●NuLu district and Bourbon District adaptive reuse and mixed-use development
Market Insight
Louisville's proximity to UPS Worldport provides next-day air delivery access to nearly every U.S. address, which has attracted over 100 logistics and distribution operations to a five-mile radius around the airport — a concentration of e-commerce fulfillment activity unmatched by any similarly sized metro.
Commercial Mortgage in Louisville, Kentucky
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. In the Louisville metro area, borrowers can access 18 lenders offering Commercial Mortgage financing, including Jeffersontown, Frankfort, Elizabethtown, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
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 in Other Kentucky Cities
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