Commercial Real Estate Loans
Finance your property purchases, refinances, and construction projects
Acquisition, refinance, and construction financing for commercial property — from owner-occupied to investment real estate.
Overview
Commercial real estate loans finance the purchase, refinance, or construction of commercial property — including owner-occupied buildings, multi-family residential, retail, office, industrial, and mixed-use developments. We arrange permanent financing, bridge loans, construction loans, and SBA 504 loans for owner-occupied properties. Loan-to-value ratios typically range from 65–80%, with terms from 5 to 30 years. As an independent advisor, we shop across banks, credit unions, debt funds, and private lenders to find the right structure for your property and strategy.
Key Benefits
Access to bank, debt fund, and private lender channels
Permanent, bridge, and construction loan options
SBA 504 financing for owner-occupied properties
Competitive rates through lender competition
Ideal For
Owner-operators buying their building
Investors acquiring income property
Developers needing construction or bridge capital
Owners refinancing maturing debt
How It Works
A clear, structured process from first call to funded.
Property & Sponsor Review
We assess the property type, value, income, and your sponsorship to determine the right financing path.
Capital Stack Design
We structure senior debt, mezzanine, or bridge components to meet your LTV and return targets.
Lender Process
We run a targeted lender process to generate competitive term sheets.
Diligence & Close
We coordinate appraisal, environmental, title, and legal to close on schedule.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
Commercial Real Estate Loan Types: A Complete Guide
Permanent, bridge, construction, SBA 504, and mezzanine — each serves a different stage of a property lifecycle. Here is how to choose the right one.
How LTV and DSCR Determine Your Loan Size
Lenders size commercial loans by both loan-to-value and debt-service-coverage ratio. Understanding both is essential to knowing how much you can borrow.
Bridge Loans: When Speed Beats Rate
A bridge loan is not cheap capital — but for time-sensitive acquisitions or value-add deals, the returns often justify the cost. We explain when it makes sense.
Commercial Real Estate Loans Case Studies
Real engagements, real outcomes. See how we have structured commercial real estate loans for clients like you.
Commercial Real Estate Bridge Financing
Multi-Family Property Developer
The Challenge
Developer identified a distressed 120-unit apartment complex available at 60% of market value but needed $12M bridge financing within 45 days to close before auction.
The Teal Bay Solution
Teal Bay Capital structured a 12-month bridge loan with flexible exit options, connected the client with private lenders, and coordinated rapid due diligence to meet the tight deadline.
The Outcome
Secured $12M in 38 days, client acquired the property, completed $2.8M in renovations, increased occupancy from 62% to 94%, and refinanced into permanent financing at a $22M valuation.
Frequently Asked Questions
Straight answers to the questions we hear most.
Typically 65–80% for income-producing property, and up to 90% on owner-occupied properties using SBA 504 financing. Bridge and hard money lenders may go higher at a higher cost.