Commercial property financing
Commercial real estate loans for the property behind the plan
Explore financing for an eligible property purchase, refinance, construction project, renovation, or owner-occupied location—and get routed according to the deal.
Lendstra is not a lender. Financing is offered by third-party lenders and is subject to underwriting, approval, and program requirements.
A clearer place to start
Real estate financing is underwritten around both the borrower and the property. Occupancy, property type, cash flow, project costs, and the business plan can all change the right path.
- Conventional and SBA-backed paths may be considered
- Options for eligible purchases, improvements, and refinances
- Deal-specific guidance for owner-occupied and other commercial scenarios
Compare paths
Choose the path closest to your property plan
The right structure depends on who will occupy the property, what work is planned, and how the project will support repayment.
Owner-occupied real estate
Financing for eligible commercial property that the borrowing business plans to occupy and use.
Learn more Fixed assetsSBA 504 loans
An SBA-backed program designed around eligible real estate, construction, improvements, and major equipment.
Learn moreSBA 7(a) loans
A flexible program that may support eligible real estate when the broader transaction includes other business needs.
Learn moreSpecial-use real estate
Explore financing considerations for properties designed around a specific operating business or industry.
Learn moreCommercial loan options
Compare property financing with acquisition, equipment, and other commercial loan structures.
Learn moreDebt refinance
Review whether an eligible commercial property or business obligation may fit a refinancing path.
Learn moreCommon goals
Property financing goals
A clear project scope helps determine likely program, documentation, valuation, and equity requirements.
Property eligibility, occupancy rules, loan-to-value expectations, environmental review, appraisals, guarantees, and equity requirements vary by lender and program.
- Purchase an operating location
- Refinance eligible property debt
- Construct a new facility
- Renovate or expand a property
- Finance a special-use property
- Acquire property with a business
- Consolidate eligible project costs
- Purchase long-term fixed assets
What happens next
One starting point, then the right route
Tell us what you need
Share your financing goal, desired amount, and a few details about the business.
Get routed to the right path
The application flow uses your answers to direct you toward an appropriate next step.
Review available options
If there may be a fit, a financing specialist or lending partner can explain the requirements.
Questions, answered
Frequently asked questions
What can a commercial real estate loan be used for?+
Depending on the lender and program, financing may support an eligible property purchase, refinance, ground-up project, expansion, renovation, or improvement. Some structures can also include related equipment or project costs.
What does owner-occupied commercial real estate mean?+
It generally means the borrowing operating business will occupy and use a qualifying portion of the property. Exact occupancy rules depend on the loan program, property, and project.
Can SBA financing be used for commercial real estate?+
Yes, both SBA 7(a) and SBA 504 financing may support eligible owner-occupied commercial real estate. SBA 504 is focused on major fixed assets, while SBA 7(a) can accommodate a broader eligible transaction.
What documents are commonly needed for a property loan?+
A lender may request business and personal financial information, tax returns, a debt schedule, property information, a purchase agreement or project budget, rent rolls or leases when applicable, and third-party reports such as an appraisal or environmental review.
Does Lendstra finance investment property?+
Available paths depend on the property, occupancy, borrower, and lender criteria. Use the application to describe the transaction so it can be evaluated and routed rather than assuming a specific program will apply.
Not sure which loan fits?
That is what the application path is for. Start with your goal and it will direct you to the most relevant next step.