Commercial property purchase loans
Buying a building for your business or adding an income property to your portfolio. We look at the property, the plan, and the people, then tell you plainly what structure fits.
At a glance
| Who it's for | Business owners buying their own space, and investors buying income property |
|---|---|
| Property types | Multifamily (5+ units), mixed-use, retail, office, industrial and warehouse, self-storage, hospitality, mobile home and RV parks, special-purpose and others on review |
| Occupancy | Owner-occupied or investment |
| Documentation | Full documentation, bank statement, or no-doc / DSCR (property income qualifies the loan) |
| Down payment | Depends on property type, occupancy, documentation and experience. We'll give you a real number after a short review |
| Where | Nationwide, subject to state law |
How we look at a purchase
- The property: type, condition, location, rent roll and operating history.
- The income: for investment property, the net operating income has to support the payment. For owner-occupied property, the business cash flow does.
- The people: experience owning or running similar property, credit, and cash left over after closing.
What helps us move fast
- A signed purchase agreement or letter of intent
- Current rent roll and trailing 12-month operating statement (investment property)
- Two years of business tax returns, or bank statements, depending on the doc type you choose
- A schedule of real estate you already own
No rates are quoted on this site. Terms depend on the property or business, documentation option, experience and market conditions. We'll give you real numbers after reviewing your application.
Questions about property purchase loans
Can I buy a commercial property with no tax returns?
Often, yes. Investment property can be qualified on the property's own income (a DSCR or no-doc approach), and some programs use 12 to 24 months of bank statements instead of tax returns. Pricing and down payment differ by option, so we review each one with you before you choose.
Do you lend on owner-occupied buildings?
Yes. If your business occupies the building, the business cash flow usually carries the loan, and SBA 7(a) or 504 financing may lower the down payment. We'll compare SBA and conventional commercial options for you.
Is there a minimum number of units?
For multifamily, commercial financing usually starts at five units. One- to four-unit investment property is typically handled as a residential investor loan, which our residential team can also help with.
Do you lend outside Pennsylvania?
Yes. Commercial programs are available nationwide, subject to each state's laws and property eligibility.
Other programs
Tell us about your project.
About 15 minutes. No Social Security number or bank account numbers. Saves as you go.