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Commercial Real Estate Loans

Get competitive loan quotes and expert guidance through our commercial property financing marketplace.

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In-house Financial Analysts and Underwriters

Obsessive, hands-on customer service

If we don't close, we don't get paid

The nation's #1 source for commercial real estate financing

Our team of expert commercial mortgage brokers have a rolodex as deep as any other national establishment. However, we pride ourselves on what make us different: access to more lending institutions and more capital, more diverse capital structures and solutions, in-house underwriting, and the same obsessive, hand-on, client service for $1 million loans as $50 million loans.

Whether you’re sourcing a mezzanine piece that can't be secured by a lien for your value-add office building opportunity, or you just need the best pricing on good, old-fashion life company loan for your stabilized property, Commercial Real Estate Loans will leverage our relationships to benefit you first. Everyone else, including us, is secondary.

Non-recourse
Fixed-rate
High leverage

Commercial Mortgage Program Highlights:

LTV

up to 75% (and 85% for Mezz & Preferred Equity)

Minimum Loan amount

$1 million

Amortization

up to 30 years

Term

up to 25 years

Financing options

Permanent Financing, Loans Under $1M, Bridge Loans, Mezzanine Financing, Construction Loans, USDA 538 Loan Program, Life Company Loans, SBA 7(a) Loans, SBA 504 Loan Program, Fannie Mae Loans, Freddie Mac Loans, CMBS Loans, HUD Multifamily Loans, Fix and Flip Loans, HUD 223(f) Loans, HUD 221(d)(4) Loans, HUD 223(a)(7) Loans, HUD 241(a) Loans, HUD 232 Loans, HUD 232/223(f) Loans, HUD 232 LEAN Loans, HUD 232/223(a)(7) Loans

Eligible property types

Retail, Office, Industrial, Apartments, Self Storage, Hotel, Land, Church, School, Auto Dealership, Auto Repair Shop, Car Wash, Gas Station, Healthcare, Medical Office, Dental Office, Veterinary, Fitness Center, Bowling Alley, Convenience Store, Day Care Center, Golf Course, Anchored Strip Center, Restaurant, Marina, Warehouse, Funeral Home

Try our Commercial Mortgage Calculator

Use the commercial mortgage calculator to get a detailed estimate of the monthly payments on your commercial real estate loan. Simply enter the loan amount, interest rate, and amortization to get the information you need.

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Recently Closed Transactions

$2.6M Industrial property refinance

Lender Type: Credit union
⁠Location: Stockton, Calif.
⁠Loan Term: Five years
⁠Interest: Fixed rate
⁠Amortization: 25 years

$820,000 Self-storage acquisition loan

Lender Type: Credit union
⁠Location: Canton, N.C.
⁠Loan Term: Five years
⁠Interest: Fixed rate
⁠Amortization: 25 years

$10M LP Raise for an apartment development

More than $10,000,000 was arranged for the retirement of senior debt on an unentitled urban-infill site for the development of an 130-unit, transit-oriented multifamily development adjacent to the metro-rail in Coconut Grove.

Refinancing and Buying Commercial Property

Commercial Permanent Financing

Permanent financing can be a tricky business. Small banks and credit unions vary substantially in options they offer; CMBS spreads move in and out as liquidity fluctuates. As a result, it is important to balance loan terms and guarantor (or carve-out guarantor) personal financials with properties financials, investors goals, property economics, and so-on. 

The right terms may be a 5-year balloon, or a 20-year fully amortizing loan with a life company. It may be a non-recourse 10-year fixed CMBS deal, or a low leverage floating rate with a credit union. Whatever your goals; we work hard to build financial models and debt offering memorandums that cater to what we know our relationship-lenders want to see. When it comes time to finance your stabilized commercial property, Commercial Real Estate Loans has the experienced commercial mortgage brokers and advisors on staff to get the job done, and get it done right. 

Building and Developing Commercial Real Estate

Commercial Construction Loans

When building commercial properties, you need a lender that understands costs, entitlements, and future-value. There is a balance that must to be reached between recourse, pre-leasing, pre-selling, cash vs. land equity, leverage and of course, pricing. Not all banks or institutions have the same guidelines. And, not all of them fully understand different asset classes, developer goals/strategies, or sub-markets.

It's important to leverage your financial intermediary’s relationships of in order to negotiate the right terms with the right lender for your commercial development opportunity. When you have paid all your soft costs and impact fees, and are ready to break ground, sometimes it just boils down to certainty of execution. 

Whatever your goals; Commercial Real Estate Loans has the debt advisory team on staff to negotiate on your behalf and arrange the most competitive commercial construction financing the market has to offer. 

Repositioning Commercial Real Estate

Commercial Bridge Loans

Sometimes you have to unlock the potential in a property. However, many lenders can't see past construction or permanent financing. When repositioning a property, short-term financing is usually the way to go, often in the form of a commercial bridge loan. 

Bridge loans have several benefits. For starters, you can get a loan based on the total cost (cost perhaps being purchase price plus rehab, capex, tenant improvements, interest reserve, etc.). On top of that, bridge loans for commercial properties often have a built-in interest reserve if cash-flow isn't strong enough. Another benefit of bridge financing is that after you add value or stabilize the asset (in the form of increased rents, improved occupancy, greater efficiencies in operating expenses, etc.), you can sell or refinance the asset and recapitalize, quite often without penalty. 

Although bridge loans have a long-time reputation for being expensive, there are plenty of affordable bridge financing instruments in today's market. At the same time, non-recourse options do tend to cost a bit more. When it comes time to add value to your property, the team of expert commercial mortgage bankers at Commercial Real Estate Loans will add value to your capital stack.

Testimonials

"After all my negative experiences of recent years it has been a breath of fresh air... If I had not got to deal with you I do not know where we would be at present. It gives me enormous confidence to move forward with you on other deals."

— Nigel K; Multiple CRE & Multifamily Loans

"We had tried several brokers to secure long-term finance but we were mostly strung along... Then we were introduced to you. You immediately cut to the chase and asked the questions that other brokers took the time to ask. Promptly, you responded to our questions and expedited actions... As a result, we were confident that we got the best deal... We are now saving thousands each month as well as paying off principal. Along the way, we refreshingly like the down-to-earth, friendly, positive and yet professional manner..."

— Brett P; 26 Unit Apartment Loan

"[Blake Janover] redefines the phrase “out of the box”! In the commercial real estate context, he brings expertise to the table well beyond his years, delivers where other brokers fail, and are a constant resource for any and all questions related to commercial real estate and development. His expertise is only topped by his dedication to his clients and a genuine desire to have them achieve their best results. I would highly recommend him for any and all matters relating to commercial real estate, whether on the debt side, equity side, or otherwise."

— Praveen K; Binghamton, NY, Bridge/Mini-Perm, Student Housing Portfolio Acquisition

"Not only were all promises met, but beat by a long shot. He consistently went outside the scope of his required responsibilities. He was involved in every step of the process from initial contact to providing financial analyses on properties I was considering for purchase, to beyond loan closing and after my taking ownership of the new property. Blake is a negotiations expert, negotiating and renogotiating loan terms and fees, terms with the sellers, third party reports, and even repairs and deadlines that were being required by the city... They allowed me to step back and know that someone is working in my best interest."

— Albert B; Los Angeles, CA

Commercial Real Estate Glossary

Commercial Equity Lines of Credit

Commercial equity lines of credit, also known as CELOCs, involve a commercial real estate owner being given a line of credit that allows them to borrower against the equity in their property. 

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LIBOR: London Interbank Offered Rate

The London Interbank Offered Rate, or LIBOR, is the interest rate central banks in London are charged for short-term borrowing.

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TI/LC: Tenant Improvements / Leasing Commission

A tenant improvement, or TI, refers to the improvements a commercial property owner makes to the interior of a rental space in order to suit the needs of a new tenant. The leasing commission, or LC, is an amount paid by the owner of the property based on a percentage of the lease value.

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LTV: Loan to Value ratio

The loan-to-value ratio, or LTV, is a measure of the relationship between the loan amount and the value of the commercial real estate (collateral). It is used to measure, or determine risk when financing commercial property or making a commercial mortgage.

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LTC: Loan to Cost ratio

The loan-to-cost ratio, or LTC, is used in commercial real estate to calculate the percentage a construction or rehabilitation project's loan amount represents relative to the total project cost.

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Prime interest rate

The prime interest rate is the interest rate banks charge their most favored customers, or those with a good credit history given their low default risk.

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Commercial Real Estate Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

Janover Inc.

6401 Congress Ave
Ste 250
Boca Raton FL 33487

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This website is owned by a private company that offers business advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a technology company that uses software and experience to bring lenders and borrowers together. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively.

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