FAQ

What is a commercial mortgage?

A commercial mortgage is a loan secured by commercial property like office buildings or shopping centers.

Who can apply for a commercial mortgage?

Businesses of all sizes can apply, whether they're looking to buy, refinance, or expand.

What documents are needed?

You'll need financial statements, tax returns, and details on the property you want to finance.

What is a typical interest rate for a commercial mortgage?

A typical interest rate for a commercial mortgage ranges from 3.5% to 14%, depending on various factors like creditworthiness and loan term.

Are commercial loan rates higher than residential?

Yes, commercial loan rates are typically higher than residential rates due to increased risk and property type differences.

How are commercial loan rates determined?

Commercial loan rates depend on market conditions, borrower’s creditworthiness, loan term, and the type of property being financed.

What interest rates are typical for large business loans?

Interest rates for large business loans typically range from 3% to 6%, depending on creditworthiness and market conditions.

What are commercial mortgage-backed securities (CMBS)?

Commercial mortgage-backed securities (CMBS) are investment products backed by commercial real estate loans, offering investors a steady income stream.

Can a loan be taken to purchase commercial property?

Yes, you can take a loan to purchase commercial property. We provide tailored mortgage solutions for businesses in the United States.

Is it difficult to get a loan for a commercial property?

Getting a loan for a commercial property can be complex. Our team helps simplify the process and guide you each step.

What are commercial property mortgages?

Commercial property mortgages are loans used to finance the purchase or refinance of properties used for business purposes, like offices or retail spaces.

What types of commercial real estate loans are there?

There are several types of commercial real estate loans, including term loans, SBA loans, bridge loans, and commercial mortgages.

What is a commercial property bridging loan?

A commercial property bridging loan is a short-term loan used to quickly finance the purchase or renovation of commercial real estate.

How do commercial mortgages work?

Commercial mortgages provide businesses with funding to buy, expand, or refinance properties, requiring collateral and a promise to repay with interest.

What is a commercial property loan?

A commercial property loan helps businesses finance the purchase, renovation, or refinancing of commercial real estate properties.

How to prepare to pitch to a lender for a commercial loan?

Gather financial statements, a solid business plan, and collateral information. Show how the loan will improve your business.

Why are commercial real estate loans non-recourse?

Commercial real estate loans are non-recourse so lenders can only claim the property if the borrower defaults, not personal assets.

What is commercial real estate lending?

Commercial real estate lending helps businesses get the funds needed to buy or refinance commercial properties like offices, warehouses, or retail spaces.

Who do I refer commercial real estate or multifamily loans to?

Refer commercial real estate or multifamily loans to a reliable commercial mortgage lender Global Capital Funding  for expert advice and a smooth process.

What's the best way to refinance a commercial mortgage?

The best way to refinance a commercial mortgage is to consult with a specialized lender Global Capital Funding who can offer competitive rates and terms.

What are commercial property lending structures?

Commercial property lending structures include fixed-rate loans, adjustable-rate loans, bridge loans, and construction loans, tailored to meet specific business needs.

How to finance the purchase of a commercial property?

Secure financing for commercial property by partnering with a commercial mortgage lender Global Capital Funding who offers tailored loan options and expert advice.

What are commercial loans secured by?

Commercial loans are secured by commercial real estate properties, including office buildings, retail spaces, warehouses, or multifamily housing projects.

What is the loan-to-value ratio for a commercial mortgage?

The loan-to-value ratio for a commercial mortgage typically ranges from 65% to 90%, depending on the property's type and the lender's criteria.

How do I apply for a commercial mortgage

To apply for a commercial mortgage, contact Global Capital Funding and a loan officer. Prepare financial documents and complete the application forms they provide.

How much can I borrow with a commercial mortgage?

The amount you can borrow with a commercial mortgage depends on several factors, including the value of the property being used as collateral, your credit history and financial stability, and the lender's underwriting criteria. In general, commercial mortgages tend to range from $500,000 to $100 million or more.