COMMERCIAL LOANS

FINANCE YOUR PROPERTY. EXPLORE YOUR OPTIONS.

Whether you’re purchasing, refinancing, or planning your next investment, explore financing for multifamily properties, commercial real estate, and business-use buildings.

THE COMMERCIAL FINANCING PROCESS

DISCUSS THE PROPERTY

Share the property type, location, loan amount, and financing goal.

REVIEW THE SCENARIO

We review occupancy, income, equity, and borrower qualifications.

EXPLORE PROGRAMS

Consider financing structures suited to the property and request.

COMPLETE DUE DILIGENCE

Provide property records and complete required lender reviews.

REVIEW & CLOSE

Review final terms and complete closing if approved.

EXPLORE FINANCING OPTIONS

01

Multifamily Loans

Explore purchase and refinance financing for apartment properties with five or more units.

Discuss this option →

02

Commercial Real Estate

Review financing for eligible office, retail, industrial, mixed-use, and other commercial properties.

Discuss this option →

03

SBA Owner-Occupied Financing

Explore SBA 504 or 7(a) options for eligible property used by your operating business.

Discuss this option →

04

Private Money & Bridge

Short-term financing for property transitions, with a plan for repayment or longer-term financing.

Discuss this option →

05

Rental Portfolio Financing

Review options for single-family rental portfolios and non-owner-occupied 2–4 unit properties.

Discuss this option →

06

Refinance & Cash-Out

Explore refinancing existing debt or accessing property equity, subject to available programs.

Discuss this option →

FREQUENTLY ASKED QUESTIONS

What properties can you help finance?

Potential options include multifamily, office, retail, industrial, mixed-use, owner-occupied business property, and certain rental portfolios. Eligibility depends on the lender, property, location, and request.

Lenders may review property income, expenses, occupancy, condition, value, borrower experience, credit, liquidity, and the requested loan structure. Requirements vary by program.

Investor financing typically supports property held to generate rental income. Owner-occupied financing supports premises used by the borrower’s operating business. Different underwriting and occupancy requirements apply.

SBA real estate financing generally supports eligible operating businesses occupying the property. It is not standard financing for passive rental investments. Investor properties should be reviewed under other commercial programs.

A bridge loan is short-term financing for an eligible property or transition. Before proceeding, review the cost, maturity date, extension terms, and a realistic repayment or refinance plan.

Common items include a rent roll, operating statements, existing loan statement, property details, and borrower financial information. Purchase transactions may also require a contract. The lender will provide a specific checklist.

The required contribution varies with property type, program, cash flow, borrower strength, and lender limits. We will review the scenario before discussing potential leverage.

Not necessarily. A commercial loan’s amortization period may be longer than its loan term, leaving a balloon balance at maturity. Review both the payment schedule and the maturity obligation.

Have more questions? Contact us — we’re here to help.

FINANCING FOR YOUR NEXT STEP

Start with what your business needs to accomplish.

EXPLORE YOUR OPTIONS

LOOK AT THE WHOLE PICTURE

Need business funding too?

If your property plans include equipment, expansion, or working capital, we can also help you explore business financing options.

Purchase Property

Explore acquisition financing

Refinance a Loan

Review available structures

Fund the Business

Explore business financing

EXPLORE BUSINESS FINANCING

HAVE A COMMERCIAL PROPERTY SCENARIO?

Let’s Talk Through Your Options

Share the property type, location, estimated value or purchase price, and the financing you need. We’ll help you understand possible next steps.

Please don’t include sensitive financial information

Financing is subject to lender approval, eligibility, underwriting, and program availability. Rates, fees, terms, documentation, collateral, and guarantee requirements vary. Prosperis helps clients explore financing through lending and referral relationships; the financing provider makes credit decisions. This is not a commitment to lend.

✅ Request Received

Thanks — we’re reviewing your scenario now.
We’ll text/email you shortly with your loan options.

Need help sooner?
📞 Call/Text: (714) 752-0578

Mortgage Rates Disclosures

 

The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 5.250% for 180 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.755% APR with a monthly principal and interest payment of $5,838 for 180 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Interest rate quoted assumes a purchase of a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.


The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.545% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 6.437% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

This is a VA program. Current guidelines for VA Financing can be found at https://www.benefits.va.gov/homeloans/index.asp . The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.882% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

Refinance: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.