What Is a Commercial Building Loan?
A Commercial Building Loan is a type of hard money loan used to purchase, refinance, or renovate income-producing commercial properties — such as office buildings, retail space, mixed-use developments, warehouses, or multi-family properties (5+ units).
Unlike bank loans, commercial hard money loans focus on the value and income potential of the property, not your personal financials.
This short- to mid-term loan is used to:
Acquire or refinance a commercial property
Fund value-add improvements or repositioning
Bridge the gap between purchase and permanent financing
Eligible Property Types
Retail strip centers
Office buildings
Medical buildings
Warehouses/industrial
5+ unit multifamily/apartment complexes
Mixed-use (commercial + residential)
Common Requirements
Rent roll or leases (for income-producing properties)
Purchase contract or deed (if refinance)
Rehab scope (for value-add or repositioning)
Exit strategy (sale or refinance)
Credit & experience reviewed, but not primary factors
Ideal Borrowers:
Real estate investors repositioning or stabilizing a property
Buyers with limited time or income documentation
Developers needing bridge capital
Borrowers seeking fast closings (7–14 days possible)
Benefits
Fast funding without bank underwriting delays
Flexible for non-stabilized or vacant assets
No DSCR or strict credit score requirements
Leverage equity to reposition or cash out
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type of loans
FIX & FLIP LOAN
Rental property funding based on cash flow, not personal income.
DSCR LOAN
Rental property funding based on cash flow, not personal income.
NEW CONSTRUCTION LOAN
Break ground with confidence.
COMMERCIAL LOAN
For a larger deals and portfolio expansion
LAND LOAN
A land loan finances undeveloped land for future use.
CASH-OUT REFINANCE
Access home equity and get cash in hand
R. Wright Consulting
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