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Commercial real estate financing

Finance property that supports the next stage of your business.

Explore commercial real estate financing for eligible property purchases, refinancing, improvements and other business-related real estate needs.

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One Streamlined ApplicationStart online without completing a separate preliminary funding form.
Decisions Can Come QuicklyQualified applicants may receive financing decisions in as little as 24 hours.
Funding on Your TimelineSome programs may fund within 24–72 hours after approval and required documentation.
How it works

Financing built around a business property transaction.

Commercial real estate financing is generally used to acquire, refinance or improve property used for business or investment purposes. The property, borrower, cash flow and transaction structure can all play important roles in underwriting.

Common business uses

  • Owner-occupied business property
  • Office, retail or industrial property
  • Warehouses and operating facilities
  • Property acquisition or refinancing
  • Eligible renovations and improvements
  • Certain investment-property transactions
Transaction types

Commercial property needs can require different financing structures.

Purchase & Refinance

Financing may support acquisition of eligible commercial property or refinancing of an existing commercial real estate obligation, subject to underwriting.

Property Improvements

Certain programs may support renovations, build-outs or improvements when they are part of an eligible commercial real estate transaction.

Commercial real estate financing can involve appraisals, environmental review, title work, insurance, equity requirements and other transaction-specific documentation. Requirements vary by provider and program.

Typical qualification considerations

Both the business and the property may be evaluated.

These are common factors financing providers may evaluate. They are not minimum requirements or a guarantee of approval.

PropertyProperty type, location, value and intended use can affect available programs.
Business FinancialsProviders may review revenue, cash flow and business financial performance.
Credit ProfileBusiness and guarantor credit profiles may influence available terms.
TransactionPurchase price, equity, requested financing and property cash flow may be considered.
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How it works

One application. A clear path forward.

USA Business Funds helps you start the process. Reveal Lending provides secure application processing and funding fulfillment coordination, while participating providers determine underwriting, approval and terms.

Step 1Apply OnlineComplete one secure business funding application.
Step 2Review OptionsAvailable financing possibilities are evaluated based on your business profile.
Step 3ChooseReview available terms and decide whether an option fits your business.
Step 4Move Toward FundingAfter approval and required documentation, the financing provider completes funding.
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Frequently asked questions

Commercial real estate financing questions.

Can financing be used for an owner-occupied property?

Potentially. Many commercial real estate programs serve businesses purchasing property they intend to occupy, subject to provider requirements and underwriting.

Is a down payment usually required?

Commercial real estate transactions commonly require borrower equity, but the amount varies based on the program, property, transaction and applicant qualifications.

How is the property value determined?

Providers may require an appraisal or other valuation as part of underwriting. Additional due diligence can also be required depending on the property and program.

Does commercial real estate financing take longer than other business financing?

It can. Property valuation, title, insurance, environmental review and other due-diligence requirements may make the process more involved than some working-capital products.

Secure application

Get qualified for business funding.

Complete one secure application to explore financing options for your business—without repeating your information.

◉ Secure & Confidential✓ One Application. No Preliminary Form.✓ Initial Qualification Uses a Soft Credit PullSoft credit inquiry does not impact your credit score.
Business Funding Application
SECURE APPLICATION

Secure application processing and funding fulfillment are provided through Reveal Lending. USA Business Funds is not a lender and does not make credit decisions. After submission, you’ll be taken to a USA Business Funds confirmation page explaining the next steps with Reveal Lending.

Ready when you are

See what financing options may be available for your business.

Complete one secure application to begin exploring available business financing options.

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USA Business Funds is not a lender and does not make credit decisions. Financing is subject to provider underwriting, approval and applicable terms.

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