CRE Loans and Commercial Real Estate Financing
Commercial real estate financing can support the acquisition, refinance, construction, renovation, lease-up, or stabilization of eligible business-purpose property. CapitalAx is a commercial loan broker, not a direct lender. We help borrowers organize a financing request and compare lending sources that may fit the property and business plan, while each lender makes its own credit and approval decision.
CRE Loan Programs
- Commercial Mortgage: 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.
- Bridge Loans: Short-term commercial bridge financing for acquisitions, value-add projects, lease-up, and transition to permanent financing. Compare options from private lenders, debt funds, and other bridge lending channels.
- Construction Loans: New builds don't fund like stabilized properties. Construction loans release capital in draws as work progresses, and the right structure keeps your project on track.
- Agency Loans: The most competitive permanent financing in commercial real estate comes from government-sponsored enterprises. Non-recourse, 30+ year terms, and rates that conventional lenders rarely match.
- CMBS Loans: CMBS financing brings non-recourse, fixed-rate debt to stabilized properties in every asset class, with underwriting flexibility that most portfolio lenders can't match.
- SBA Loans: Government-backed lending with longer terms, lower down payments, and rates that make real business plans pencil out.
How CRE Lenders Review a Deal
- Property type, condition, location, appraisal, and market context
- Rent roll, leases, occupancy, expenses, and property cash flow where applicable
- Borrower financial strength, liquidity, experience, ownership structure, and credit profile
- Acquisition, refinance, renovation, lease-up, construction, or stabilization strategy
- Requested proceeds, timing, collateral, and repayment source
- Lender-required appraisal, environmental review, title, insurance, and other due diligence
Frequently Asked Questions
What is a CRE loan?
A CRE loan is financing for commercial real estate, such as multifamily, retail, office, industrial, hotel, mixed-use, or owner-occupied business property. It may support an acquisition, refinance, construction project, renovation, or another business-purpose real-estate transaction.
What types of commercial real estate financing are available?
Common CRE financing structures include conventional commercial mortgages, permanent financing for stabilized property, bridge loans for transitional assets, construction financing for qualifying development, agency financing for eligible multifamily property, CMBS financing for eligible stabilized assets, and SBA financing for eligible owner-occupied real estate.
What is a permanent CRE loan?
A permanent CRE loan is generally long-term financing for a stabilized commercial property. Lenders commonly review property income, occupancy, leases, operating expenses, debt-service coverage, appraisal, borrower financials, and the requested loan structure.
Can I use a CRE loan to acquire or refinance property?
A CRE loan may be used for an eligible commercial-property acquisition or refinance. Lenders review the property, requested proceeds, income or business occupancy, existing debt where applicable, borrower profile, and supporting due diligence.
When do bridge or construction loans fit a CRE deal?
Bridge financing may fit an eligible acquisition, renovation, lease-up, or repositioning plan when permanent financing is not yet available. Construction financing may fit a qualifying ground-up or major-renovation project. Lenders review the plans, budget, equity, sponsor experience, timeline, market, and repayment or sale exit.
What do CRE lenders review?
CRE lenders typically review the property type and condition, income and expenses, rent roll and leases where applicable, market, appraisal, borrower financials, liquidity, experience, requested leverage, and repayment strategy.
Does CapitalAx provide CRE loans directly?
No. CapitalAx is a commercial loan broker, not a direct CRE lender. We help borrowers organize a financing request and compare lending sources that may fit the transaction. Each lender decides whether to offer financing and on what terms.
Does CapitalAx provide commercial real estate equity or loan servicing?
No. CapitalAx focuses on arranging commercial debt financing as a broker. It does not provide equity investments, loan servicing, asset management, or a public lending marketplace.