Commercial Real Estate Loans
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Commercial Real Estate Loans Work
Commercial real estate loans function similarly to residential mortgages but are designed for business properties. You provide a down payment (typically 10-25%), and the lender finances the remainder. Repayment is in fixed monthly installments over 5-25 years. SBA 504 loans offer some of the best terms for owner-occupied properties.
Best For
Ideal Use Cases for Commercial Real Estate Loans
Real Scenarios
Who Uses Commercial Real Estate Loans?
These are the kinds of situations where commercial real estate loans make the most sense.
Law Firm Buying Their Office Building
A growing law firm purchases their three-story downtown office for $1.8M using an SBA 504 loan with ten percent down, locking in a 25-year fixed rate.
Auto Body Shop Purchasing Their Facility
An auto body shop owner stops paying $8K monthly rent by buying their building for $650K, with the property itself serving as collateral for the loan.
Medical Practice Expanding to a Second Location
A dermatology practice secures $1.2M to purchase and build out a satellite office in a growing suburban market twenty miles from their main clinic.
Restaurant Building a Flagship Location
A successful restaurant group buys a $2M mixed-use building downtown, operating the restaurant on the ground floor and leasing two floors of office space above.
Warehouse Acquisition for E-Commerce
An e-commerce brand purchases a 15,000-square-foot warehouse for $900K to bring fulfillment in-house and stop paying third-party logistics fees.
Daycare Center New Construction
A childcare business owner secures $1.5M in commercial real estate financing to build a purpose-designed facility on a vacant lot in a high-demand area.
Full Transparency
Pros & Cons of Commercial Real Estate Loans
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Commercial Real Estate Loan Pricing - Full Transparency
Interest Rate: 6% - 10% APR (typical range)
Terms and Structure:
Fees
SBA guarantee fees of 0-3.5%. Appraisal fees $2K-$5K. Closing costs of 2-5% of loan amount. Environmental assessments may be required.
Key Consideration
CRE loans take longer than other products (30-90 days) but offer the lowest rates for real estate. Start the process early - especially for SBA, where timing is critical for competitive acquisitions.
Typical Cost Examples
CRE loan rates depend on property type, occupancy, borrower financials, and market conditions. SBA loans require owner-occupancy of 51%+. Our network includes SBA-preferred lenders, commercial banks, and bridge lenders for every property type.
Full Transparency
Is Commercial Real Estate Loans Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
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How Commercial Real Estate Loans Compare
Side-by-side look at how this product stacks up against alternatives.
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See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries
Popular in These Industries
Commercial Real Estate Loans are a top choice for business owners in these sectors.
Related Products
You Might Also Need
Many businesses combine multiple products to cover different needs.
SBA Loans
SBA 504 and 7(a) loans offer the lowest rates for commercial property with just 10% down.
Learn More →Term Loans
Close faster than SBA — term loans fund property purchases in 2-4 weeks.
Learn More →Equipment Financing
If the property purchase includes significant equipment, finance them separately for better rates.
Learn More →Free Tools
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FAQs
Commercial Real Estate Loans FAQs
Commercial Real Estate Loans - $100K to $5M+ for Business Properties
Commercial real estate loans from Basecamp Funding's network of 70+ lending partners help businesses purchase, refinance, or renovate commercial property. SBA 504 and 7(a) loans offer the lowest rates for owner-occupied properties. Conventional and bridge financing available for investment properties and fast closings.
Business owners use CRE loans to purchase the buildings they operate from, expand to new facilities, refinance existing commercial mortgages, and fund property renovations. Construction companies, medical practices, manufacturers, auto repair shops, restaurants, and professional service firms trust Basecamp Funding for commercial real estate financing. One application, no hard credit pull to pre-qualify.
“SBA 504 loan to buy the building my practice operates in. 10% down instead of 25% at a bank. Bobby found the right lender in 2 days.”
Amanda R.
Medical Practice | Scottsdale, AZ
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