Loan programs
Commercial Real Estate Loans
Financing to buy or refinance income-producing and owner-occupied commercial property.
Commercial real estate loans finance property used for business or investment, such as apartment buildings, retail centers, offices, warehouses and mixed-use buildings. Lenders look closely at the property's income and condition along with your own experience and finances.
We work with banks, credit unions, SBA lenders, agency multifamily lenders, debt funds and private lenders. That lets us match the loan to the deal instead of forcing the deal into one lender's box.
Property types
Multifamily buildings with five or more units, mixed-use, retail and strip centers, office, industrial and flex space, self-storage, hospitality and special-purpose property. Owner-occupied buildings for your own business are welcome too.
What lenders look at
The property's income and expenses, rent roll and leases, its condition and location, and the appraisal. On your side: your experience owning or running similar property, your credit, your cash reserves and, for owner-occupied buildings, your business financials.
Loan types we can compare
Bank and credit union loans, SBA 504 and 7(a) loans for owner-occupied property, agency multifamily loans, CMBS and life company loans for stabilized property, and bridge loans for property that is being leased up or improved. Each has its own costs, guidelines and timeline, and we lay them out side by side.
What to have ready
A summary of the deal, the purchase contract or current loan statement, the rent roll and operating statements, a schedule of real estate you own, and recent personal and business tax returns. We send you an exact list once we know the deal.
Questions about Commercial Real Estate Loans
Can I finance a building for my own business?
Yes. Owner-occupied commercial property can often use bank or SBA financing, which looks at your business's financials as well as the property. We review both and explain which route fits.
How long does a commercial loan take?
It depends on the lender, the property type and third-party reports such as the appraisal and environmental review. We give you a realistic timeline once we have reviewed the deal and know which lender fits.
Do you only work with one lender?
No. We compare banks, SBA lenders, agency lenders, debt funds and private lenders, then recommend the options that fit your property, your plans and your timeline.
See what your monthly payment could look like
Type or slide in a home price, the amount you plan to put down, a rate you have been quoted and a term. The estimate updates as you go, and nothing is sent unless you ask David to review it.
Estimated principal and interest
Your estimate appears here
Fill in all four numbers to see it. Prefer to talk it through? Call David at (954) 504-5611.
Estimated principal and interest
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For illustration only. Not a loan offer. Taxes and insurance not included.
From first call to closing, in four steps
- 01
Start a conversation
Tell David what you are planning. A short call or message is enough to begin.
- 02
Compare your options
David learns your goals and lays out the loan options that may fit, with the tradeoffs explained.
- 03
Apply securely
When you are ready, you apply online. David tells you exactly which documents are needed.
- 04
Get to closing
David keeps you posted through underwriting and is there for questions on closing day.
Other loan programs
Get in touch
Send a message and David will reach out. You can also call or text.
David J Poloney, NMLS #796103
David John Lending Group, NMLS #1958392