Multifamily Loans
Apartment buildings and residential complexes with 5+ units.
Lenders usually care most about occupancy, trailing cash flow, and whether the asset is truly stabilized or still needs a bridge period.
Lenders in the directory tagged for multifamily 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 multifamily 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
📈CMBS Loans
Securitized commercial mortgages for larger properties
📊DSCR Loans
Qualify based on property cash flow, not personal income
What do lenders look at on multifamily 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 multifamily deals
A directory starting point, not a substitute for matching the actual deal structure.
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.
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.
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.
Wells Fargo Bank National Association
SBA VerifiedSioux 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.
Fifth Third Bank
SBA VerifiedCINCINNATI, 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.
TD Bank, National Association
SBA VerifiedWILMINGTON, DE
One of the 10 largest banks in the U.S. and a major SBA preferred lender. Offers SBA 7(a) and Express loans, conventional business lending, commercial real estate, and treasury management services across the eastern U.S.
Manufacturers and Traders Trust Company
SBA VerifiedBUFFALO, NY
M&T Bank is a major regional bank and one of the top SBA lenders by loan count in the Northeast. Offers SBA 7(a), Express, and 504 loans alongside a full range of commercial banking, commercial real estate, and small business products.
Bank of America, National Association
SBA VerifiedCharlotte, NC
One of the largest banks in the world and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, equipment financing, and comprehensive treasury management.
Need the right lender, not just more lender names?
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