As the top-performing Florida branch of Commercial Capital Ltd. – and named one of the Nation’s Top 40 Lenders – we provide a virtual universe of commercial real estate loan programs, with rates, terms, and structures for nearly every type of investment.
Commercial real estate financing splits into two fundamentally different paths, and knowing which one applies to you is the first step: conventional financing (bank, CMBS, bridge) is available to any buyer, investor or owner-occupant alike. SBA financing (7(a) or 504) is only available if your own business will occupy at least 51% of the property. Most of the property-specific pages below cover both paths side by side.
“Smart investors understand that the right commercial real estate loans can make all the difference”
| Loan Type | Terms | Down Payment | Best For |
|---|---|---|---|
| Conventional / Bank Term | 5–10 years, amortized up to 25–30 | 20–25% | Stabilized, income-producing property |
| SBA 504 | 10, 20, or 25 years, fixed | As low as 10% | Owner-occupied real estate |
| SBA 7(a) | Up to 25 years | 10% | Owner-occupied real estate + other business needs |
| CMBS / Conduit | Fixed, 10-year term | Varies | Stabilized properties with national credit tenants |
| Bridge | 12–24 months, interest-only | Varies | Transitional financing before permanent placement |
| Construction | Interest-only during build | 20–30% | Ground-up development or major renovation |
When financing is needed before permanent terms are available – to complete renovations, stabilize a property, or move quickly on an opportunity – a bridge loan fills the gap. We fund two in-house private bridge funds: one offering up to 90% LTV for clients experiencing delays on an SBA closing, and one reserved for real estate and land interim financing.
402 5th Ave Ste 102
Indialantic, FL 32903
