What a Commercial Mortgage Is
A commercial mortgage loan finances business property—offices, retail, warehouses, and other commercial spaces. These loans are typically larger and more document-heavy than many online business funding products.
Owner-Occupied vs Investment
- Owner-occupied: your business uses the property (often better program options).
- Investment: rental income and occupancy are major decision factors.
What Lenders Evaluate
- Down payment and liquidity reserves.
- Cash flow (DSCR or similar coverage metrics).
- Property details: condition, occupancy, location, tenant quality.
- Borrower profile: credit, experience, business strength.
Timeline (Set Expectations)
Commercial mortgages usually involve appraisal and third-party reports, plus underwriting. If you need instant funding, this isn’t that. If you’re planning for long-term stability, it can be a great move.
Related Options to Compare
- Commercial real estate loans (overview page).
- SBA loans (often used for owner-occupied property).
- Term loans for certain refinance or improvement scenarios.
Note: Educational content only—not financial advice.
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