Conventional Commercial Real Estate Loans
Conventional commercial loans are bank-funded financing products that do not carry an SBA government guarantee. For many borrowers, particularly experienced investors, those acquiring larger properties, or those seeking investment real estate, conventional financing is the right tool. At Commercial Capital Partners, we source conventional commercial loans through a network of banks, credit unions, and private capital sources across the country.
Conventional loans offer flexibility that SBA programs cannot always provide: higher loan amounts, broader property types, faster closings, and options for investment properties where the borrower does not occupy the building.
When Conventional Financing Makes Sense
Investment properties. SBA loans require the borrower to occupy the property. Conventional financing is the appropriate route for rental properties, investment portfolios, and buildings where tenants provide the income.
Loan amounts above $10 million. SBA programs cap at $10M. Conventional loans have no set ceiling and are the primary vehicle for larger commercial acquisitions.
Faster timelines. Without the SBA approval process, conventional loans can close in as few as 30 days for clean transactions, a meaningful advantage in competitive markets.
30-year amortization. Some conventional lenders offer 30-year fully amortizing terms, reducing monthly payment obligations compared to shorter SBA structures.
Typical Terms
Down payment: 20–35% depending on property type and occupancy. Amortization: 20–30 years. Interest rate: fixed or adjustable, market-based. Loan-to-value: 65–75% for investment properties. Closing timeline: 30–60 days for stabilized assets
Recent Conventional Closings
$3,250,000. Industrial property refinance, Ontario, CA , $2,750,000. Hotel refinance, West Covina, CA , $2,500,000. Retail strip purchase, San Bernardino, CA , $850,000. Retail property refinance, Jurupa Valley, CA
To discuss conventional financing for your next acquisition or refinance, call (909) 721-5915. We serve the Inland Empire, Los Angeles, and clients nationwide.
