What Is a Commercial Building Loan?

A Commercial Building Loan is a type of hard money loan used to purchase, refinance, or renovate income-producing commercial properties — such as office buildings, retail space, mixed-use developments, warehouses, or multi-family properties (5+ units).

Unlike bank loans, commercial hard money loans focus on the value and income potential of the property, not your personal financials.

This short- to mid-term loan is used to:

  1. Acquire or refinance a commercial property

  2. Fund value-add improvements or repositioning

  3. Bridge the gap between purchase and permanent financing

  • Retail strip centers

  • Office buildings

  • Medical buildings

  • Warehouses/industrial

  • 5+ unit multifamily/apartment complexes

  • Mixed-use (commercial + residential)

Eligible Property Types:

  • Rent roll or leases (for income-producing properties)

  • Purchase contract or deed (if refinance)

  • Rehab scope (for value-add or repositioning)

  • Exit strategy (sale or refinance)

  • Credit & experience reviewed, but not primary factors

Common Requirements:

  • Real estate investors repositioning or stabilizing a property

  • Buyers with limited time or income documentation

  • Developers needing bridge capital

  • Borrowers seeking fast closings (7–14 days possible)

Ideal Borrowers:

  • Fast funding without bank underwriting delays

  • Flexible for non-stabilized or vacant assets

  • No DSCR or strict credit score requirements

  • Leverage equity to reposition or cash out

Benefits: