Commercial Real Estate
Acquire, refinance, or cash-out on commercial properties with competitive rates and flexible terms.
LOAN RANGE
$500K – $50M
TURNAROUND
2–4 weeks
Best for investors and business owners looking to acquire, refinance, or pull equity from commercial properties including office, retail, industrial, multifamily, and mixed-use assets.
About Commercial Real Estate
Commercial real estate financing covers the acquisition, refinance, or cash-out of income-producing and owner-occupied commercial properties. Available from $500,000 to $50,000,000, these loans are structured for office buildings, retail centers, industrial warehouses, mixed-use properties, multifamily complexes, hotels, self-storage facilities, and other commercial asset types.
Commercial real estate loans differ from residential mortgages in several important ways. Underwriting focuses heavily on the property's net operating income, debt service coverage ratio, and market fundamentals rather than solely on the borrower's personal income. Loan terms are typically structured with amortization periods of 20 to 30 years but may include balloon payments or rate resets at 5, 7, or 10 years.
Slate Financial offers multiple CRE financing products including bridge loans for transitional properties, permanent financing for stabilized assets, SBA 504 loans for owner-occupied properties, and CMBS conduit loans for larger commercial transactions. Our team works with you to identify the right loan structure based on your property type, investment strategy, and financial profile, then matches you with the most competitive lender in our network.
How It Works
- 1Submit your application with property details, financial statements, rent rolls (if applicable), and borrower information so we can assess the deal.
- 2Our commercial lending team analyzes the property's income, expenses, valuation, and your financial strength to determine the optimal loan structure.
- 3We present loan options from our lending partners, detailing the rate, term, amortization, prepayment structure, and required reserves.
- 4Upon acceptance, the lender orders an appraisal, environmental report, and title work. Your loan moves through underwriting and legal review.
- 5At closing, funds are disbursed through an escrow or title company. The entire process typically takes 2 to 4 weeks for bridge loans and 30 to 60 days for permanent financing.
Who Qualifies
- Commercial property with demonstrated or projected net operating income sufficient to cover debt service (DSCR of 1.20 or higher preferred)
- Borrower or sponsor with a net worth at least equal to the loan amount (varies by lender and deal size)
- Prior commercial real estate experience (first-time investors may qualify with stronger financial profiles)
- Personal credit score of 650 or higher for the borrower or guarantor
- Minimum 10% to 25% equity or down payment depending on property type and loan program
- Clean title and acceptable environmental conditions on the subject property
Typical Terms
| Loan Amount | $500,000 - $50,000,000 |
| Interest Rate | 5.5% - 12% (varies by product and risk) |
| Loan Term | 1 - 10 years (bridge: 12-36 months) |
| Amortization | 20 - 30 years (interest-only available) |
| LTV (Loan-to-Value) | Up to 75-80% for stabilized assets |
| DSCR Requirement | 1.20x or higher |
Pros & Cons
Advantages
Considerations
Ready to Apply for Commercial Real Estate?
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Program Highlights
Required Documents
Have these ready to speed up your approval:
Typical Timeline
2–4 weeks
Timeline begins after all required documents are received and verified.