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How does a Commercial Real Estate loan work?

More information about our short-term CRE financing option

Nathan at New Silver avatar
Written by Nathan at New Silver
Updated over a week ago

Overview

Our Commercial Real Estate (CRE) loans are tailored for experienced investors who are acquiring, rehabbing, or refinancing investment properties across a range of commercial asset types. These short-term loans are designed to provide flexible, fast, and reliable capital for your next CRE opportunity.

Whether you're working on a multifamily property, a mixed-use space, or an industrial building, our CRE loans deliver the speed and leverage you need to scale your portfolio.


Key Loan Features

  • Loan Amounts: $2-$15 million

  • Eligible Property Types: Multifamily, Office, Mixed-Use, Senior Housing, Manufactured Housing, Industrial

  • Eligible Transactions: Purchases, Purchases with Rehab, Rate-and-Term Refinances

  • Loan-to-Cost (LTC): Up to 80%

  • Loan-to-After-Repair Value (LTARV): Up to 70%

  • Term Lengths: 12 to 24 months

  • Interest Rates: 9.0% – 12.0%

  • Origination Fee: 1% – 2%

  • Lien Position: 1st Lien Only

  • Cash-Out Refinances: Not permitted

  • Broker Compensation: Up to 2 points


Borrower Requirements

  • Minimum Credit Score: 680

  • Experience: At least 2 years of experience with a minimum of 5 completed projects

  • Personal Guaranty: Required


Benefits of Choosing Our CRE Loans

  • Higher Leverage: Finance up to 80% of total project costs.

  • Diverse Property Eligibility: Perfect for a wide range of commercial property types.

  • Speed and Efficiency: Fast approvals and closings help you move quickly on investment opportunities.

  • Flexible Structures: Tailored loan terms that meet the demands of complex CRE projects.

  • Dedicated Support: Our expert loan advisors are ready to help you structure the right loan for your investment.


Additional Information

For a more detailed breakdown of our Commercial Real Estate loans, including property eligibility and application guidance, visit our product page:
​Learn More About Commercial Real Estate Loans

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