Mixed-Use Loans
Properties combining residential, commercial, or retail uses.
Mixed-use financing gets easier when the lender understands the asset mix, the residential percentage, and the cash flow from each part of the building.
Lenders in the directory tagged for mixed-use deals.
Bridge, permanent, SBA, construction, or other property-specific options depending on the deal.
Use the quiz if you want a real shortlist instead of guessing which lender box your property fits.
Which loan types are common for mixed-use deals?
The right financing depends on whether the property is stabilized, owner-occupied, transitional, or still being built. These are the pages borrowers usually compare first.
Commercial Mortgage
Traditional long-term financing for stabilized commercial properties
🌉Bridge Loans
Short-term financing to bridge the gap to permanent capital
🏗️Construction Loans
Finance ground-up construction or major renovation projects
📊DSCR Loans
Qualify based on property cash flow, not personal income
📈CMBS Loans
Securitized commercial mortgages for larger properties
What do lenders look at on mixed-use deals?
Cash flow and occupancy
Lenders want believable income, stable occupancy, and a story that holds up if the current rent roll softens.
Property-specific risk
Environmental issues, specialized tenancy, lease rollover, deferred maintenance, or entitlement risk can matter more than coupon.
Exit clarity
Short-term debt only works if the refinance, sale, or stabilization plan is actually realistic.
Lenders tagged for mixed-use deals
A directory starting point, not a substitute for matching the actual deal structure.
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.
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.
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.
United Midwest Savings Bank National Association
SBA VerifiedDE 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.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBA VerifiedNorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
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.
Harvest Small Business Finance, LLC
SBA VerifiedLaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
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.
Need the right lender, not just more lender names?
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