Commercial Loan

A commercial loan allows you to secure higher loan amounts, lower interest rates, and longer repayment terms for real estate investments.

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Unlimited

Financing Amount

Low as 6.25%

Interest Rate

30-45 Days

Fastest Funding

1st Capital Financial Is Your Best Source for Commercial Loans

Our financing experts, underwriting, and closing teams ensure your application is processed efficiently with a higher likelihood of approval.

Easy Application Process

It takes just four minutes and some basic information to get started, and we’ll guide you through every step of your application from there.

Fast Turnaround on Funds

Get an approval decision in as little as one to two weeks and have your funds deposited within 30 to 45 days after you accept your offer.

Industry-Leading Support

We'll help you determine your fit for a Commercial Loan with complete transparency and work with you to secure the best rate and terms.​
Overview of Commercial Loans

What Is a Commercial Loan?

A commercial loan is a debt-based financing option made to a business to fund the purchase, development, or construction of commercial property.

At A Glance

No Cap on Financing Amount
Lower Interest Rates
Interest rates may be fixed or variable and start at 6.25%.
Longer Repayment Terms
Repayment terms are up to 30 years.

A commercial loan is best suited for purchasing, developing, or constructing a commercial property. However, there are some other use cases.

Use Cases

Buy, Renovate, or Expand Real Estate
Purchase New Equipment or Materials for Construction
Secure Working Capital
Refinance Existing Debt and More
Use Cases for Commercial Loans

What Can a Commercial Loan Be Used For?

Requirements for Commercial Loans

Is a Commercial Loan Right for You?

Lenders’ commercial loan requirements will vary, but the following are the minimum criteria.

Minimum Criteria

Own a For-Profit Business in the U.S.
Must be a Corporation, LLC, Partnership, or Sole Proprietorship
At Least $100,000 in Annual Revenue
Operating for at Least Two Years
Minimum Credit Score of 600

How to Apply for a Commercial Loan

Our Financing Application Process

Start Your Financing Application

(Time to Complete = Four Minutes)
Provide some basic details about you and your business using our Small Business Financing Form.
(Time to Complete = 15 Minutes)
We’ll contact you to discuss the documentation needed to complete your application and answer any questions you may have.
(Time To Complete = One to Two Weeks)
We’ll begin processing your application as soon as we’ve received all the necessary documentation and keep you updated every step of the way.
(Time to Complete = 30 to 45 Days)
We’ll provide you with your final commercial loan offer(s) to review. Once accepted, you’ll receive your funds in 30 to 45 days.

We What
We Do

90,000+

Small Businesses Served

10 Billion+

Financing and Tax Refunds

30 Years+

Industry Experience

90%+

Client Retention

FAQs About Commercial Loans

Questions? We Have Answers.

A commercial loan is a debt-based funding arrangement for purchasing, developing, or constructing commercial properties. It is affordable, long-term, and uncapped. Businesses that do not qualify for an SBA 7(a) or 504 Loan or need more funding than can be secured through an SBA program may consider a commercial loan viable.

Commercial loans work similarly to residential mortgage loans. One of the key differences, however, is that a commercial loan is secured against a commercial property instead of a residential property. Another key difference is that the Loan-to-Value (LTV) for a commercial loan may be limited to 75-80%. Lenders will also consider your business’s Debt Service Coverage Ratio (DSCR), so cash flow is important. The higher your business’s DSCR, the higher your likelihood of approval.

Exact terms will vary based on the lender, property type, DSCR of the business, creditworthiness of the borrower, and other factors.

Any business seeking a significant capital raise for a real estate investment, and whose options do not include an SBA loan, should consider applying.

Can’t find the information you’re looking for? Give us a call at +1 (833) 317-8227.
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