Commercial real estate financing helps your business acquire, refinance, or improve property — an office, storefront, warehouse, or other commercial building. Because the property itself usually serves as collateral, it lets you spread a large cost over many years instead of paying upfront.
What commercial real estate financing is
This is funding used specifically for commercial property — buying a building, refinancing an existing mortgage, constructing, or renovating. Property types include office, retail, industrial, warehouse, mixed-use, and multifamily. The real estate generally secures the financing, which lowers the provider’s risk.
Terms can differ depending on whether the property is owner-occupied (your business operates there) or held as an investment.
How it works
- The property secures the financing. The building you’re buying or refinancing acts as collateral.
- The amount is based on value and equity. Providers look at the property’s value and your down payment or existing equity (loan-to-value).
- You repay over a long term. Repayment is typically spread across many years, which keeps payments manageable.
- The timeline is longer. Expect appraisal and underwriting, so it moves slower than short-term working capital.
Typical amounts and terms
- Amounts: commonly from around $100,000 into the millions, depending on the property.
- Terms: often 5 to 25 years.
- Down payment / equity: usually required, with the amount varying by deal.
- Speed: slower than other options because of appraisal and underwriting.
These are typical ranges for illustration, not an offer.
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Check eligibility →When it makes sense
It’s the right tool when you want to:
- Buy a building for your business instead of renting.
- Refinance an existing commercial mortgage.
- Fund construction, expansion, or major renovations.
- Spread a large, long-term investment across years of predictable payments.
What you’ll typically need
- Details on the property, often including an appraisal.
- A down payment or equity in the property.
- Solid business (and sometimes personal) financials and a reasonable operating history.
Frequently asked questions
Can I finance an owner-occupied property?
Yes. Both owner-occupied buildings (where your business operates) and investment properties can typically be financed, though the terms may differ.
How long does commercial real estate financing take?
It generally takes longer than other funding because it involves appraisal and more detailed underwriting. Plan for a longer timeline than fast working-capital options.
How much down payment do I need?
A down payment or existing equity is usually required, and the amount varies by provider, property type, and deal. Specifics depend on the provider.
What types of property qualify?
Common types include office, retail, industrial, warehouse, mixed-use, and multifamily properties. Eligibility depends on the provider.
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See my funding options →This page is for general educational purposes and is not financial advice. Access Funding Network is a free matching service, not a lender. Funding products, amounts, rates, and terms are offered solely by independent third-party providers and are subject to their underwriting. Amounts and terms shown are typical industry ranges for illustration only and are not an offer or guarantee. Not all applicants will qualify or be matched.