Potentially. Financing providers offer commercial real estate loans for transactions in $5 Million and more. Approval and available financing depend on the property, borrower qualifications, equity, cash flow, creditworthiness, and financing program.

The required down payment or equity contribution varies by financing program, property type, intended use, borrower qualifications, and loan-to-value requirements. The financing provider will determine the required contribution for the transaction.

Potentially. Eligible businesses may use SBA financing for qualifying owner-occupied commercial real estate transactions. SBA 7(a) and SBA 504 financing may be relevant depending on the property and intended use.

Potentially. Conventional commercial real estate financing may be available for qualifying income-producing and investment properties. Financing providers may evaluate rental income, occupancy, operating expenses, debt-service coverage, borrower experience, and other factors.

There is no single credit score requirement that applies to every commercial real estate loan. Financing providers may evaluate personal and business credit along with property value, cash flow, equity, existing obligations, and the overall strength of the transaction.

The monthly payment depends on the interest rate, repayment period, amortization schedule, financing structure, fees, and other loan terms. The applicable financing provider can calculate the actual payment based on the financing terms for which you qualify.

Loan-to-value, or LTV, compares the amount being financed with the value of the commercial property. Financing providers may use LTV to determine the maximum financing amount and required borrower equity.

Debt service coverage ratio (DSCR) measures qualifying cash flow relative to required debt payments. Financing providers may use DSCR when evaluating whether the property or business generates sufficient cash flow to support the proposed financing.

An appraisal or other acceptable property valuation may be required. The financing provider may use the property's value when determining the financing amount and loan-to-value ratio.

Potentially. Commercial real estate refinancing may allow you to replace existing property financing with a new loan, subject to property value, available equity, cash flow, borrower qualifications, and financing provider requirements.

The timeline varies based on the financing program, property, appraisal, documentation, underwriting requirements, borrower, and complexity of the transaction.

Start by providing information about your business, the commercial property, purchase price or property value, requested financing amount, and intended use. Your information can then be evaluated to help identify $5 Million commercial real estate financing options that may fit your transaction.