Commercial Loan Programs
All commercial loan programs at CapitalAx. SBA, bridge, DSCR, construction, hard money, and more. 350+ lenders, nationwide coverage.
- 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.
- Hard Money Loans: Brokered private financing for eligible commercial real estate when a short-term, collateral-focused solution may fit an acquisition, refinance, renovation, or transition plan.
- Fix and Flip Loans: Fix and flip loans cover the acquisition and the rehab budget in a single facility, with draws tied to construction milestones and terms built for speed.
- 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.
- DSCR Loans: DSCR loans come down to one question: does the property's income cover the payment? If the math works, you qualify, no matter how tangled your personal finances look.
- 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.
- Life Company Loans: Life companies hold the lowest fixed rates and longest terms in commercial real estate, reserved for the borrowers and properties that clear their conservative underwriting.
- SBA Loans: Government-backed lending with longer terms, lower down payments, and rates that make real business plans pencil out.
- USDA Loans: Lower rates, longer terms, and up to 80% guarantee through the USDA Business & Industry program. If your property is outside a major metro, this program could save you tens of thousands.
- Business Acquisition Loans: Business acquisition financing through SBA, conventional, and private capital, structured to get the deal done with the least cash out of your pocket.
- Equipment Financing: Explore business equipment loans, leases, and sale-leaseback options for machinery, material handling, warehouse, manufacturing, packaging, logistics, construction, and professional equipment.
- Working Capital Financing: Explore business-purpose working capital options for operating expenses, seasonal needs, contract costs, inventory, and receivables timing.
- Franchise Financing: Franchises come to the table with something lenders love: a proven model, a known brand, and years of franchisor performance data. That track record usually earns you better terms.
- Business Line of Credit: Draw what you need, pay interest only on what you use, and have the line ready for the next opportunity. No new application every time.
- Accounts Receivable Financing: Compare factoring companies and AR lenders for invoice funding, revolving credit lines, and working capital tied to your receivables.
- Business Credit Card Stacking: Use a business credit stacking strategy to pursue unsecured revolving credit across multiple card issuers. Limits, approval, and introductory offers depend on the applicant and issuer.
- Startup Funding: Traditional lenders want two years of financials you don't have yet. We connect startups with capital sources that fund based on your plan, your credit, and your commitment.
- Mezzanine Financing: When senior financing generally stops at 65% to 75% and you don't want to write a larger equity check, mezzanine debt closes the difference and generally takes total leverage to 85% to 90%.
- Commercial Refinance: A wave of commercial loans written in the low-rate years is coming due. Refinance early to lower your payment, pull out equity, or replace maturing debt on your own timeline.
- Portfolio Loans: Stop juggling a separate loan on every property. A blanket portfolio loan finances five or more assets under a single facility, underwritten on the portfolio's cash flow.