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Commercial Real Estate Loans
Buy, build, or refinance business property. SBA 504, conventional, and bridge options. One application to 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Understanding Commercial Real Estate Loans
Commercial real estate loans finance the purchase, construction, or refinancing of business property, including office space, warehouses, retail buildings, and industrial facilities. The property serves as collateral.
How It Works
Lenders assess the property value, your business financials, and debt service coverage ratio (DSCR). SBA 504 loans offer up to 25-year terms with 10% down. Conventional loans close faster but may require 20% to 30% down.
Key Terms & Eligibility
$100K to $15M
5 to 25 years
6% to 12% APR
30 to 90 days
660
The real estate itself
One application returns matched offers from 75+ lenders, so you compare instead of guess.
Who Should Use Commercial Real Estate Loans?
Established businesses that want to own rather than rent their location, or investors purchasing income-producing commercial property. Best for companies with stable revenue and a long-term real estate strategy.
Common Uses
- Purchasing your business location instead of renting
- Building a new facility from the ground up
- Refinancing an existing commercial mortgage
- Buying investment commercial property
Pros & Considerations
Pros
- Build equity instead of paying rent
- Long terms up to 25 years with SBA 504
- Property appreciation potential
- Interest may be tax deductible
Considerations
- Requires significant down payment
- Long funding timeline, 30 to 90 days
- Property ties up capital
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue (min. 2 years, $100K/yr)
- Bank deposit consistency and cash flow patterns
- Owner credit (min. 660), as one input among several
- Collateral or asset value, where applicable
Strong revenue or valuable assets can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need and what for. One form, no fee to apply.
- Share basic business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes, invoices, or financials if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
What is the difference between SBA 504 and conventional commercial loans?
SBA 504 loans offer longer terms (up to 25 years) and lower down payments (10%), but take longer to close and have SBA eligibility requirements. Conventional loans close faster and have more flexible property types, but typically require 20% to 30% down and shorter terms.
How much down payment do I need for commercial real estate?
SBA 504 loans require as little as 10% down. Conventional commercial loans typically require 20% to 30% down. The exact amount depends on the property type, your business financials, and the lender.
What is a DSCR and why does it matter?
DSCR (debt service coverage ratio) measures whether your business cash flow can cover the loan payments. Most lenders look for a DSCR of 1.25 or higher, meaning your net operating income is at least 25% greater than your debt payments.
Can I get a commercial real estate loan for a property I do not occupy?
Yes. Investment commercial property loans are available, but they typically require a larger down payment and higher DSCR than owner-occupied properties. The NBC network includes lenders for both owner-occupied and investment properties.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify through the NBC network, so checking your options does not affect your credit.
How long does it take to close a commercial real estate loan?
SBA 504 loans typically take 60 to 90 days. Conventional commercial loans can close in 30 to 45 days. Bridge loans can fund in 1 to 2 weeks if you need to close quickly before permanent financing.
Can I finance construction with a commercial real estate loan?
Yes. Construction-to-perm loans fund the build and then convert to a permanent mortgage once construction is complete. The NBC network offers construction, bridge, and permanent financing options.
Comparing Commercial Real Estate Loans to Other Options
- vs. SBA Loans: SBA offers lower rates and longer terms but takes 30-60 days. Commercial Real Estate Loans may fund faster but at comparable or slightly higher rates.
- vs. Equipment Financing: Equipment financing is secured by the asset and limited to equipment purchases. Commercial Real Estate Loans offers broader use of funds.
- vs. Working Capital Lines: Working capital lines are revolving and best for ongoing needs. Commercial Real Estate Loans provides a lump sum suited to specific capital needs.
Related Financing Options
- SBA Loans — government-backed, lowest rates
- Equipment Financing — asset-secured, fast approval
- Working Capital Loans — revolving, flexible use
- Business Line of Credit — draw only what you need
Sources
- SBA 504 Loan Program: sba.gov/funding-programs/loans/504-loans
- U.S. Small Business Administration, finance your business: sba.gov/business-guide
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org/
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Verified Reviews
Businesses funded through the National Business Capital network have left 3,000+ five-star reviews on Google and Trustpilot. NBC has secured over $3B in financing since 2007 and maintains an A+ rating. Read verified reviews on NBC's website.
This page was last reviewed July 11, 2026 by Malik Samara, Managing Partner. Our editorial team reviews and updates content on a rolling basis. Learn about our editorial standards.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.