Small Business Loans
Commercial Real Estate Loans
Long-term financing secured by the property itself, for owner-occupied buildings and investment property alike.
All loan programsHow it works
A commercial real estate loan is secured by the building. The lender sizes it on two things: what the property is worth, and how comfortably its income covers the payment.
Most are not fully paid off over the term. A loan might run for 5, 7, or 10 years while payments are calculated as if it ran for 20 or 25. The remaining balance, the balloon, is due when the term ends, and is usually refinanced or paid off with a sale.
The numbers lenders use
- Loan-to-value (LTV)
- The loan divided by the property’s value. At 75% LTV on a $2,000,000 building, the loan is $1,500,000 and you bring $500,000.
- Debt service coverage (DSCR)
- The property’s net operating income divided by its annual loan payments. A 1.25x DSCR means the income is 25% more than the payment.
- Amortization
- The schedule used to calculate payments. A longer schedule means a lower payment and a larger balloon.
A good fit when
- You are buying a building for your business or as an investment.
- You want to refinance a loan that is maturing or carries a high rate.
- The property has equity you want to put to work.
What to have ready
- Purchase contract, or current mortgage statement for a refinance
- Rent roll and 12 months of operating statements for income property
- Two to three years of business and personal tax returns
- Personal financial statement and schedule of real estate owned
Ranges shown are typical of the market as of 2026, not quoted terms. This page is general information, not a commitment to lend. Every loan is subject to underwriting and approval, and actual terms depend on the property, the business, and the borrower. Adelante Group is a loan broker, not a lender; loans are made by our lending partners.