LOAN TYPES
COMPREHENSIVE KNOWLEDGE OF COMMERCIAL LOAN TYPES
Selecting the right financing structure is a critical step in any commercial real estate or business investment. Each loan program has its own requirements, advantages, and long-term implications. With our extensive experience across a wide range of commercial loan products, we provide clear guidance on which financing option aligns best with your goals, cash flow strategy, and growth plans. We simplify the decision process, explain your options in practical terms, and ensure you move forward with confidence.
Compare Commercial Loan Programs at a Glance
A quick side by side look at how our most requested programs are typically structured. Your advisor will match the right one to your deal.
| Program | Best For | Financing Up To | Typical Term | Rate Type |
|---|---|---|---|---|
| SBA 7(a) | Owner occupied real estate, business acquisition, working capital | Up to 90% | Up to 25 years | Fixed or variable |
| SBA 504 | Owner occupied commercial real estate and heavy equipment | Up to 90% | 10, 20, or 25 years | Long term fixed |
| Conventional | Investment and owner occupied commercial property | Up to 75 to 80% | 5 to 25 years | Fixed or variable |
| Bridge | Time sensitive purchases, repositioning, quick close needs | Up to 70 to 75% | 6 to 36 months | Interest only common |
| Construction | Ground up builds and major renovation projects | Project based | 12 to 24 months | Variable, then converts |
| Equipment | Machinery, vehicles, and equipment purchases | Up to 100% of equipment | 2 to 7 years | Fixed |
| Business Acquisition | Buying a business or franchise | Up to 90% | Up to 10 years | Fixed or variable |
| Factoring | Turning unpaid invoices into working capital | Up to 90% of invoice | Revolving | Fee based |
Figures are typical ranges and depend on the lender, deal profile, and qualification. They are not an offer of credit.
Not Sure Which Program Fits?
A quick starting point. Tell us about your deal and we will confirm the best fit.
Buying a building for my own business
Start with SBA 504 or SBA 7(a) for high financing and long terms on owner occupied property.
Buying an investment property
A Conventional commercial loan is usually the fit, with competitive rates for income producing real estate.
I need to close fast, or it needs work
A Bridge loan gives you short term capital and speed, with a plan to refinance later.
Buying a business or franchise
An SBA 7(a) acquisition loan is the most common path, with up to 90% financing.
Building or renovating
A Construction loan funds the project in stages and can convert to permanent financing.
I need equipment or working capital
Look at Equipment financing or Factoring to free up cash without tying up your property.
Let’s Find Your Best Option
Answer a few quick questions and we will show you which programs you qualify for. It is free, with no obligation and no impact to your credit.
