Paths we commonly evaluate
SBA-backed owner-occupied structures, conventional bank commercial mortgages, refinance opportunities on property you already own, and construction or renovation scenarios when the project story is clear.
Commercial Real Estate Loans
Buying or refinancing business property can stabilize occupancy costs and build equity — or create cash-flow stress if leverage and amortization fight the operating company. We help structure CRE financing around realistic debt service.
What underwriters focus on
Debt service coverage, global cash flow, collateral, sponsor experience, and whether the payment remains survivable in an average month — not only a best-case month.
How we reduce deal friction
We help you model payment capacity early, assemble a lender-ready package, and target lenders that understand your property type and operating story.
Frequently Asked Questions
Is SBA always better for owner-occupied real estate?
Not always. SBA can improve access and term structure for the right deals, while conventional may be cleaner for exceptionally strong files. We compare total business impact, not just rate.
What DSCR do lenders typically want?
Targets vary by lender and property type, but many commercial conversations start around coverage that leaves room for volatility. Use our DSCR calculator to stress-test scenarios before you commit.
Can you help with refinance as well as purchase?
Yes. Refinancing can improve cash flow, extend maturity, or clean up a messy capital stack — when the numbers and collateral support it.