Commercial property purchase loans
Buy multifamily, mixed-use, retail, office, industrial, self-storage and more, owner-occupied or as an investment.
Learn moreCommercial & SBA lending · Nationwide
Financing for the building, the business, or the next deal.
Commercial property purchases, business acquisitions, SBA 7(a) and 504 loans, and refinances. Full documentation, bank statement, and no-doc options. Plain answers from a real person, usually within one business day.
- Business-purpose loans
- Nationwide, where permitted
- Owner-occupied & investment
- No SSN to apply
Loan programs
What we finance
Business acquisition loans
Buy an established business, with or without its real estate. SBA 7(a) and conventional structures, seller financing welcome.
Learn moreSBA 7(a) loans
Up to $5 million for acquisitions, owner-occupied real estate, equipment, working capital and refinancing.
Learn moreSBA 504 loans
Buy, build or improve the building your business operates from, often with as little as 10% down.
Learn moreCommercial rate-and-term refinance
Replace a maturing balloon or bridge loan, change the term, or restructure, without taking cash out.
Learn moreCommercial cash-out refinance
Turn equity into capital for your next purchase, a renovation, or your business.
Learn moreDocumentation options
Qualify the way your finances actually work
Full documentation
Tax returns and financial statements. Usually the widest choice of programs and the lowest cost.
Bank statement
12 to 24 months of bank statements instead of tax returns. Built for self-employed owners.
No-doc / DSCR
Investment property qualified mainly on the property's own rental income.
How it works
From first call to closing
Apply online
About 15 minutes. Tell us about the project, the property or business, and your experience.Talk it through
We call you, usually within one business day, with honest feedback on structure and fit.Term sheet
Once we've reviewed key documents, you get proposed terms in writing before you pay for reports.Underwriting
Appraisal, environmental and title as needed. We keep you updated on a shared checklist.Closing
Funds go to the seller, your old lender, or you, depending on the loan.
Your contact
Work directly with Steve Umansky
Steve Umansky, Sr. Branch Manager (NMLS #61764), leads commercial lending at Stellar Mortgage Corporation. You'll have one person who reads your file, answers your calls, and tells you early if something won't work.
Questions
Common questions
Does Stellar Mortgage Corporation make commercial loans nationwide?
Yes. Our commercial programs are for business-purpose loans across the U.S., subject to each state's laws, underwriting and property eligibility.
What loan types do you offer?
Commercial property purchase, business acquisition, SBA 7(a), SBA 504, rate-and-term refinance and cash-out refinance, with full documentation, bank statement and no-doc / DSCR options.
Do you offer consumer home loans on this site?
No. This site is for business-purpose loans only. For a home you will live in, visit stellarmortgagecorp.com.
What do I need to apply?
Nothing to start. The online application takes about 15 minutes and does not ask for your Social Security number or bank account numbers. A list of helpful documents is in the last step.
How quickly will I hear back?
Usually within one business day. You'll talk with a real person who has read your application.
Tell us about your project.
About 15 minutes. No Social Security number or bank account numbers. Saves as you go.