Commercial Real Estate Loans – Finance Office, Retail, Industrial, and More
Whether expanding your business or investing in income-producing property, commercial mortgages offer the capital to take the next step. These loans are designed to finance commercial-use real estate, including office buildings, retail space, warehouses, and multifamily housing.
At American Hero Home Loans, I help clients across Indiana and beyond secure funding to buy, refinance, or renovate commercial properties with flexible terms, competitive rates, and tailored loan strategies.
What Is a Commercial Real Estate Loan?
A commercial real estate loan is a mortgage used to purchase, develop, or refinance property for business or investment use. Unlike residential loans, commercial mortgages are primarily evaluated based on the property’s cash flow potential and the borrower’s business financials and experience.
Loan terms, down payments, and documentation will vary depending on the property type and lender. I’ll walk you through your options and help match your financing to your business model or investment plan.
Types of Commercial Properties You Can Finance
Popular property types include:
- Office Buildings: Medical offices, coworking hubs, professional suites
- Retail Spaces: Standalone storefronts, shopping centers, restaurants
- Industrial Warehouses: Light manufacturing, logistics hubs, distribution centers
- Multifamily (5+ Units): Apartment buildings, student housing, senior living
- Mixed-Use: Buildings with retail, office, and residential components
- Special Use: Gas stations, car washes, churches, self-storage, and more
Are you unsure which program is right for your property type? I’ll help you evaluate your options based on your use, occupancy, and financing goals.
Key Features of Business Purpose Loans
- Loan Amounts: From $100,000 to several million
- Terms: 5, 7, 10, or 25 years, amortized up to 30 years
- Interest Rates: Fixed or adjustable (ARM), depending on terms and credit
- Down Payment: Typically 20–30%, based on property type
- Qualification: Evaluates income, property performance, and borrower experience
Fixed vs. Adjustable Commercial Mortgage Options
Fixed-Rate Commercial Loans
- Stable payments: Easier long-term budgeting
- Best for long-term holds or owner-occupied properties
Adjustable-Rate Commercial Loans (ARM)
- Lower introductory rates: Often better short-term
- Ideal for investors planning a sale or refinance in 3–7 years
Who Can Benefit from a Commercial Loan?
Commercial real estate loans serve:
- Business owners purchasing or expanding their physical location
- Investors acquiring rental income properties or mixed-use buildings
- Developers building new commercial spaces
- Nonprofits financing community facilities, religious centers, or schools
Whether you’re building a business or investing in long-term cash flow, I’ll guide you through financing solutions that align with your vision.
Why Work With a Commercial Loan Expert?
Commercial lending can be complex, and working with a knowledgeable advisor makes all the difference. With over 19 years of lending experience, I provide:
- Loan structure and strategy consulting
- Knowledge of Indiana’s commercial real estate market
- Fast communication and transparent expectations
- Access to traditional banks, credit unions, and private capital
From new acquisitions to refinancing existing portfolios, I’ll help you structure your commercial loan the smart way.
Frequently Asked Questions About Commercial Mortgages
What’s the typical down payment for a commercial property?
Most lenders require 20–30% down, though SBA loans may allow lower down payments for qualified borrowers.
Can I finance a property under my LLC or business name?
Yes. Commercial loans are typically made to business entities such as LLCs or corporations. I’ll help you structure your application to meet lender expectations.
What documents will I need for approval?
You should expect to provide business tax returns, personal financials, a rent roll (for income properties), and a recent appraisal. Requirements may vary by lender.
Can I refinance an existing commercial mortgage?
Yes. You can refinance to reduce your rate, cash out equity, or change your loan term or structure.
Final Thoughts
Commercial real estate loans can open the door to growth, cash flow, and long-term investment opportunities. Whether purchasing your first building or adding to an existing portfolio, I’ll help you evaluate your options and confidently move forward.
Contact American Hero Home Loans today to explore commercial mortgage options tailored to your goals.
