According to Nautix Capital's lender network data, commercial real estate businesses can access $100K-$5M in funding with approval timelines from 24 hours to 30 days. CRE loans and SBA 504 programs are the top products, with property-backed financing offering 10-20 year terms and competitive rates for qualified operators.

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SmartMatch evaluates 75+ lender programs to find the funding options most likely to approve your CRE brokerage, property management firm, or development company.

Qualification Snapshot

  • Monthly revenue: $10K/mo
  • Time in business: 1 year
  • Credit score: 550+
  • No credit pull required
  • Most commercial real estate businesses qualify
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Common Funding Uses for Commercial Real Estate Businesses

Here is how commercial real estate business owners typically put funding to work.

Acquiring commercial properties for owner occupancy or investment portfolios

Refinancing existing commercial mortgages to access equity or lower rates

Funding property renovations, tenant improvements, and capital expenditures

Bridging cash flow between tenant turnover and new lease signings

Covering operating costs during property development and lease-up periods

Top Funding Options for Commercial Real Estate

Based on what works best for commercial real estate businesses in our lender network.

Commercial Real Estate

Acquisition, refinance, or development for owner-occupied commercial or investment properties.

Amount$100K - $5.0M
Speed20-30 days
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Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

Amount$25K - $500K
Speed24-48 hours
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Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

Amount$10K - $500K
Speed3-5 days approval, 5-10 days to funding
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SBA Loans

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

Amount$50K - $5.0M
Speed30-60 days
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Commercial Real Estate Funding FAQ

What types of commercial properties can I finance?
CRE loans cover office buildings, retail spaces, industrial warehouses, mixed-use properties, and multi-family units (5+ units). Both owner-occupied and investment properties qualify. Down payments typically range from 20-35% depending on property type and occupancy.
How do I finance a commercial property acquisition?
CRE loans offer $100K-$5M with 10-20 year terms. SBA 504 loans provide 20-year terms with as little as 10% down for owner-occupied properties. For investment properties, conventional CRE loans require 25-35% down with competitive fixed rates.
Can I refinance an existing commercial mortgage?
Yes. Refinancing can lower your rate, access built-up equity, or switch from variable to fixed terms. Properties with strong rental income and 2+ years of ownership history are strong refinancing candidates. Equity cash-out provides working capital without new debt structure.
What are the requirements for CRE investment property loans?
Investment property loans focus on debt service coverage ratio (DSCR). Properties generating rental income covering 1.0-1.25x the mortgage payment typically qualify. Borrowers need 650+ credit, 2+ years in business, and 25-35% down payment.
How long does commercial real estate financing take?
CRE loans take 20-30 days for underwriting plus 30-45 days to closing. SBA 504 loans may take 60-90 days total. For immediate operating capital while CRE financing processes, revenue-based funding provides $25K-$500K within 24-48 hours.

Still Not Sure? Talk to Us.

Not every situation fits a neat box. If you have questions about funding your commercial real estate business, start a free SmartMatch assessment and our team will walk you through your options.

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