Commercial Loans
Commercial Real Estate Loans for Investors & Developers
Commercial real estate loans are designed for investors and developers seeking financing for income-producing properties, multi-family assets, and larger-scale real estate projects. Whether you’re acquiring, refinancing, or developing a commercial property, the right financing structure is critical to your success.
At Puget Sound Funding Solutions, we connect borrowers with experienced lending partners offering flexible commercial financing solutions across the United States.
What Is a Commercial Real Estate Loan?
A commercial real estate loan is used to finance properties intended for business or investment purposes. These loans are typically structured based on the income generated by the property, the strength of the deal, and the borrower’s experience.
Types of Commercial Properties We Finance
- Multi-family apartment buildings
- Mixed-use properties
- Office buildings
- Retail centers
- Industrial properties
- Small to mid-size development projects
Loan Options Available
- Acquisition financing
- Cash-out refinance
- Bridge loans for transitional properties
- Stabilized long-term financing
- Construction and development loans
Typical Loan Terms (Example)
- Loan Amount: $250,000 to $5,000,000+
- Term: 1–30 years (depending on loan type)
- LTV: Up to 65–75% (varies by asset and deal)
- Rates: Typically 6%–10% APR (subject to market conditions)
- Amortization: 20–30 years (for long-term loans)
The terms provided above are for informational purposes only and do not constitute a loan offer. Actual loan terms may vary based on borrower qualifications, property performance, credit profile, and market conditions. All loans are subject to lender approval.
How Lenders Evaluate Commercial Deals
Commercial lending is primarily based on the performance and potential of the property. Key factors include:
- Net Operating Income (NOI)
- Debt Service Coverage Ratio (DSCR)
- Property location and market conditions
- Tenant occupancy and lease structure
- Borrower experience and financial strength
Who These Loans Are For
- Real estate investors scaling their portfolios
- Developers working on multi-unit or mixed-use projects
- Business owners acquiring commercial space
- Investors refinancing existing commercial properties
Example Deal Scenario
- Property Type: 12-Unit Apartment Building
- Purchase Price: $1,200,000
- Annual Rental Income: $140,000
- Estimated Loan: ~$800,000 (based on DSCR and LTV)
In this scenario, the lender evaluates the property’s income and operating expenses to determine loan eligibility and structure.
Why Work With Us?
Commercial financing can be complex — we simplify the process by connecting you with the right lenders based on your deal. Our network includes private lenders, bridge lenders, and long-term financing providers.
- Access to a wide network of commercial lenders
- Customized loan structuring for your project
- Fast deal evaluation and lender matching
- Support from application to funding
Get Started
Ready to secure fast funding for your next deal? Submit your loan inquiry today and get connected with the right financing solution.