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Types of commercial real estate loans

August 14, 2019

Types of commercial real estate loans

Traditional commercial real estate loan from a bank:  offer the most money, with the lowest rates – but, it’s difficult to qualify.

Small Business Administration commercial real estate loans: affordable financing if you don’t qualify for a bank loan. The SBA has two loan options: that may be used for real estate: The SBA offers a general purpose 7(a) loan program and the 504/CDC loan program. The 504/CDC loan is the better choice, with interest rates starting at around 5 percent, compared to 7 percent to 10 percent for 7(a) loans.  Payment terms that can last as long as 25 years.

Hard money real estate loans: Short-term loans from private lenders and investors, usually for a smaller amount, and with higher interest rates than a loan from a bank or the SBA, but have less stringent qualifications.

Commercial bridge loans: A short-term loan that is meant to be paid off quickly or refinanced into a longer-term loan.

Commercial real estate crowdfunding: many small loans or donations from lenders and investors can achieve an amount similar to a hard-money loan.  

Do I qualify for a commercial real estate loan?


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