CapitalAxCapitalAx
    CapitalAx commercial lending

    Commercial Mortgage Loans for Stabilized Properties

    Finance or refinance income producing and owner occupied commercial property with long term commercial mortgage options from banks, CMBS, credit unions, life companies, and portfolio lenders.

    What Is a Commercial Mortgage?

    A commercial mortgage is a loan secured by business or investment property rather than a personal residence. It can finance a stabilized income producing property, an owner occupied building, or a refinance of existing commercial debt. Bridge and construction loans are typically temporary; a commercial mortgage is commonly the longer term loan a borrower refinances into and holds. Amortization generally runs 15 to 30 years, with fixed or adjustable rates depending on the lender and the deal. CapitalAx is a commercial mortgage broker, not a direct lender. We help borrowers compare options from conventional banks, CMBS conduits, credit unions, life insurance companies, and portfolio lenders across major commercial property types. Buying a stabilized asset, refinancing out of a bridge, or locking long term financing on a property you have owned for years can all fit this category. Actual pricing, leverage, and approval depend on the property, borrower, market, and lender.

    Deal Structure at a Glance

    Loan Range
    Typically $500K to $100M+
    Terms
    Generally 5 to 30 years
    LTV
    Generally 75% to 80%
    Rate Type
    Fixed & Adjustable
    Amortization
    Generally 15 to 30 years
    Turnaround
    30 to 60 days typical

    Who Is This For?

    • Investors acquiring stabilized income producing properties
    • Property owners refinancing short term or maturing debt
    • Business owners purchasing owner occupied commercial real estate
    • Portfolio holders consolidating properties under better terms
    • 1031 exchange buyers needing fast permanent financing

    Common Use Cases

    • Acquisition of stabilized commercial properties
    • Refinancing bridge loans or maturing debt into permanent financing
    • Cash out refinance to access equity for new investments
    • Rate and term refinance to lower monthly payments
    • Owner occupied commercial real estate purchases

    Borrower Scenarios

    Examples of how this financing can be used.

    An investor purchasing a 32 unit stabilized apartment building in Austin, securing a 10 year fixed rate commercial mortgage with a long amortization through a regional bank that specializes in Central Texas multifamily.

    A property owner refinancing out of a 12 month bridge loan on a repositioned retail strip center, transitioning into a permanent commercial mortgage with a CMBS conduit at a 30 year amortization and non recourse terms.

    A 1031 exchange buyer acquiring a single tenant industrial building with a 10 year NNN lease, closing a commercial mortgage on a compressed schedule to meet the exchange timeline, with a life insurance company lender offering a 15 year fixed rate.

    A business owner purchasing the 12,000 sq ft office building their company has leased for a decade, using a conventional commercial mortgage with a standard down payment and a 20 year amortization to build equity instead of paying rent.

    Why Work With CapitalAx

    We help borrowers organize commercial mortgage requests and compare lending sources that may fit the transaction.

    Access to Multiple Permanent Lending Channels

    Pricing on the same deal can swing widely from a bank to a CMBS desk to a life company or credit union. We put your loan in front of all of those channels at once, then bring back the strongest permanent terms for your property and your profile rather than whatever one lender happens to quote.

    Bridge to Permanent Transition Expertise

    A large share of the permanent loans we place are takeouts of bridge or construction debt. We line up that permanent financing before the short term loan even closes, so the refinance is negotiated on your terms up front instead of scrambled together as the balloon comes due.

    Non Recourse and Portfolio Structuring

    On bigger deals with experienced sponsors, non recourse financing keeps your personal assets out of the equation. We track which lenders go non recourse at which loan sizes, and how to bundle several properties under one blanket mortgage on favorable terms.

    Tools & Calculators

    Commercial Mortgage and Loan Amortization Calculator

    Calculate commercial mortgage payments, total interest, and a month by month loan amortization schedule.

    Commercial Property Value Calculator

    Use a commercial property valuation calculator to estimate income based value from NOI and cap rate.

    Commercial Real Estate Cap Rate Calculator

    Calculate commercial real estate cap rate from NOI and property value to evaluate investment returns.

    Max Loan Calculator

    Find out the maximum loan amount your property can support based on income and expenses.

    Related Loan Programs

    DSCR Loans
    Bridge Loans
    SBA Loans
    Commercial Refinance

    Related Property Types

    Multifamily Financing
    Office Building Financing
    Retail Financing
    Industrial Financing

    Looking for a different financing structure? Browse all loan programs.

    Markets We Serve

    Austin, Texas
    Miami, Florida
    Atlanta, Georgia
    St. Louis, Missouri
    Stamford, Connecticut

    Related Articles

    Commercial Real Estate Loan Requirements
    How to Finance Commercial Property

    Frequently Asked Questions

    A commercial mortgage is a loan secured by commercial real estate or business property. It is used to buy or refinance income producing property, such as apartments, retail, industrial, office, mixed use, or self storage, as well as owner occupied commercial buildings. Lenders evaluate the property, its income, the borrower, and the loan structure.

    Commercial mortgage loans can fund the purchase of stabilized commercial property, refinance a bridge loan or maturing debt, provide a rate and term refinance, or access equity through cash out refinancing. A business owner may also use a commercial mortgage to purchase the building their company occupies.

    Start by defining the property, purchase or refinance objective, requested loan amount, and timeline. Lenders commonly review property income and occupancy, leases or rent roll, operating statements, borrower financials, and the proposed loan structure. A commercial mortgage broker can help compare lender options, but each lender makes its own underwriting and approval decision.

    Business mortgage is a common term for a commercial mortgage used to purchase or refinance property tied to a business. It may finance an owner occupied office, medical practice, warehouse, restaurant building, or another commercial property. The best loan type depends on how the property is used and whether its income is stabilized.

    Commercial mortgage lenders include banks, credit unions, CMBS lenders, life insurance companies, and portfolio lenders. Each tends to favor different property types, loan sizes, terms, and borrower profiles. CapitalAx is a broker that helps borrowers compare available lending channels; it is not a direct lender.

    Plan on 20% to 25% down for many commercial mortgages. Strong borrowers with stabilized properties can generally reach up to 80% LTV on certain programs. If you occupy the building yourself, SBA 504 can get you in with as little as 10% down. Every deal is underwritten on its own merits. Actual leverage and down payment requirements depend on the property, the market, and the lender.

    Many income producing properties can qualify, including multifamily apartments, office buildings, retail centers, industrial warehouses, mixed use, and self storage. Lenders generally look for stable income and solid occupancy before writing permanent debt. Owner occupied commercial real estate can also qualify through conventional or SBA programs.

    The underwriting is the biggest difference. A commercial mortgage is judged on the property's income and cash flow, often through debt service coverage, rather than a personal paycheck alone. Expect shorter terms, often 5 to 10 years with a balloon, along with heavier documentation than a home loan. Larger deals may offer non recourse financing, depending on the lender and structure.

    Ready to Move Forward?

    Send us the basics on your deal, we'll come back with real options, not a generic pitch.