Funding for business property
A loan can support an eligible property purchase, refinance, or renovation. Funding for improvements may be released in stages as work is completed, depending on the loan structure.
Commercial Real Estate
Commercial real estate financing.
Fund your next property move.
Compare commercial property loans for purchases, refinancing, and bridge needs. Learn how property cash flow, leverage, and your exit plan shape the financing.
Funding range$500K–$30M
Financing term1–25 years
Funding typeProperty financing
Typical funding time2–8 weeks
RepaymentMonthly
PRODUCT OVERVIEW
Commercial real estate financing,
explained.
Commercial real estate financing helps you buy, refinance or improve business property. The property usually secures the loan, with terms shaped by its use, value and ability to support repayment.
Funding can support premises your own business occupies or a property held as an investment. For owner-occupied space, lenders consider the operating business; for an investment property, rental income, leases and occupancy also play an important role.
A longer-term mortgage can support an established property plan. Short-term bridge financing serves a different purpose and needs a clear repayment or refinancing plan. The lender may require an appraisal, property reports and evidence of your contribution before closing.
Check both the loan maturity and the amortization period. Payments may be calculated over a longer period than the loan actually runs, leaving a balance due at maturity. Compare that final obligation with the rate, fees, prepayment terms and any conditions attached to future funding.
Westwind helps you compare property financing options and understand how the repayment schedule fits your plans for the building.
The property secures the loan
The lender takes a security interest in the property and usually lends only part of its value. Business cash flow or rental income helps support repayments.
Bridge or longer-term financing
A bridge loan provides temporary funding during a purchase, renovation, or lease-up. Longer-term financing supports an established property, while a bridge needs a clear repayment or refinancing plan.
Regular payments and any final balance
Payments may cover interest and principal, or interest only for a period. Some loans have a final balloon balance; fees, closing costs, and early-payoff terms add to the economics.
BEFORE YOU APPLY
What you’ll need to get started.
Know what lenders look for and what to have ready. Your advisor helps with the rest.
What lenders look at
Property value & condition
The building’s value, physical condition, and intended use.
Income & occupancy
Rental income and occupancy, or cash flow from the owner’s business.
Borrower finances
Financial position, existing obligations, and available equity.
Property experience
The borrower’s background in owning or operating real estate.
The property file
Use, leases, title, and the lender’s required property diligence.
What to have ready
To start
- Funding amount, purpose & timeline
- Business details & revenue
- Existing financing & credit range
- Your contact details
For lender review
- Purchase agreement or current loan and payoff details
- Property income and operating-expense statements
- Rent roll and leases, for leased properties
- Business financials, for an owner-occupied property
- Borrower financial information and real-estate schedule, as requested
IS THIS RIGHT FOR YOU?
The right financing starts with the property's plan.
Start with the purpose, the payback period, and the payment your business can support. Use these signals to decide what to discuss with your advisor.
A stronger fit
- The property is worth what you say and has an obvious use
- The rent, or your business, covers the payments
- Your plan for paying it off holds up
A reason to pause
- There are unresolved contamination or ownership problems
- There's no realistic plan to get it earning
- You don't have enough cash behind you
The advantages
- Long amortization for durable assets
- Property value supports borrowing capacity
- Bridge options can finance transition or renovation
- Owner-occupied assets may qualify for SBA programs
The trade-offs
- Appraisals and third-party reports add time and cost
- Balloon maturities create refinance risk
- Rate, occupancy, and valuation changes affect proceeds
- Recourse, reserves, covenants, and environmental liability may apply
HOW FUNDING WORKS
From application
to funding,
step by step.
Tell us about your business once. We prepare your file, find relevant lenders, coordinate the review, and help you compare your offers.
01 profile05 steps1:1 your own advisor
01
START HERE
Tell us what you need
Fill out one form with the amount, what the money is for, and the basics of your business.
RESULTOne complete business profile
- How much you need and what you will use it for
- Sales, industry, time in business, and what you already owe
02
ADVISOR REVIEW
Go through it with your advisor
Your advisor checks the request with you, gets clear on what matters, and helps gather the documents lenders will ask for.
RESULTA file ready for lender review
- Confirm timing, payment comfort, and business goals
- Collect the statements and supporting documents needed
03
MATCH & ROUTE
We find the lenders that fit
We compare your profile with different types of funding and the requirements of participating lenders.
RESULTA focused lender submission
- Narrow the list to lenders whose rules may fit
- Send the complete file only to selected lenders
04
UNDERWRITING
Lenders review the file
Each lender makes its own decision. We handle questions, document requests, and follow-up so you do not have to chase every party.
RESULTOffers you can compare side by side
- Resolve questions and missing items in one place
- Lay out available prices, terms, payments, and conditions
05
DECIDE & CLOSE
Compare, choose, and get funded
Your advisor explains the cost and tradeoffs, then helps you finish the lender's final conditions and closing documents.
RESULTThe option you choose, taken through funding
- Compare total cost, payment, term, collateral, and flexibility
- Complete final lender conditions and closing documents
How fast you get funded, what you're offered, and whether you're approved at all depend on your business, your paperwork, and the lender. Nothing here is a guarantee of an offer or approval.
LOOK AT THESE TOO
Other options worth comparing.
Don't pick on the rate alone, and don't pick on the biggest number you're approved for. Compare the whole deal.
QUICK ANSWERS
Questions people ask about commercial real estate.
What is DSCR?
Debt-service coverage ratio compares property or business cash flow with scheduled debt payments. A ratio above 1.0 indicates cash flow exceeds debt service.
What is a balloon payment?
It is the remaining principal due at maturity when the amortization schedule is longer than the contractual loan term.
What decides whether I get approved?
Lenders mostly look at what the property is worth, what it earns after running costs, whether that covers the loan payments, your track record, and how you plan to pay the loan off. Each one has its own rules about credit, paperwork, and what it takes to say yes.
How fast can I get the money?
Plan on 2–8 weeks. It can take longer if the deal is complicated, your paperwork is slow, an outside report is needed, or the lender asks for more.
What should I compare between offers?
Ten things: the total dollars you pay back, the true yearly cost, how often you pay, how long it runs, what you put up as collateral, what you personally guarantee, the rules you agree to follow (covenants), what happens if you pay it off early, the fees, and whether the money earns more than it costs.
YOUR NEXT MOVE
See whether commercial real estate fits your business.
One application. Every option that fits. A clear path to the money.
Get funded