CRE Loans
Financing for the places your business grows.
Explore commercial property financing for your next purchase, refinance, or investment opportunity.
Make room for your next opportunity.
Commercial real estate loans can help business owners and investors purchase, refinance, or improve eligible commercial properties. From a new business location to an income-producing investment, financing starts with understanding the property and your plans for it.
CRE financing is typically secured by the property. Lenders may also evaluate cash flow, occupancy, lease income, borrower credit, financial strength, and experience. The right structure depends on the property, your goals, and lender requirements.
Midwest Funding Advisors helps you explore financing options and connect with lenders so you can approach your next commercial property decision with greater clarity.
Discuss Your Property Goals
What’s next for your commercial property?
Start with what you want the property to do for you. Eligible transactions depend on the lender, property type, and program.
Purchase a property.
Explore financing for an eligible commercial building that supports your business or investment goals.
Review your existing loan.
Discuss refinancing ahead of maturity or when your current financing structure no longer fits your plans.
Create a place for your business.
Explore financing for a commercial property your business will occupy and use for its operations.
Build your property portfolio.
Discuss financing for eligible income-producing properties, including their tenants, leases, and operating performance.
Invest in the space.
Explore eligible improvements or repositioning plans and the financing structure your project may require.
Plan your next transition.
Discuss a move, expansion, or ownership change and how property financing could support the next stage.
The property. The cash flow. The plan.
Commercial financing looks beyond the purchase price to understand the transaction and how the loan will be repaid.
Understand the asset.
Property type, location, condition, valuation, and intended use all help shape the lender’s review.
Look at the income.
Lenders may review business cash flow or property income, expenses, occupancy, and lease terms to assess repayment capacity.
Review the terms.
Understand the down payment or equity, interest rate, fees, amortization, maturity, guarantees, and any balloon payment.
Bring your property plans to the conversation.
Whether you have a property under contract or are exploring possibilities, these details help us understand your needs:
- Property address, type, and intended use
- Purchase price or estimated value and requested loan amount
- Available down payment or equity and existing financing
- Business financial information or property income and expenses
- Lease information, occupancy, and your target timeline
Office, retail, industrial, mixed-use, and other commercial properties may have different requirements. Tell us about your property so we can discuss a relevant direction.
Request a Free ConsultationClarity for your next property decision.
Explore common questions, then connect with our team about your specific transaction.
Visit All FAQs ↗What does CRE stand for?
CRE means commercial real estate. CRE loans support eligible commercial property transactions, such as purchases, refinancing, and certain improvements.
Is a CRE loan the same as a hard money loan?
No. Commercial real estate financing is a broad category. Some property-backed bridge or hard money programs may finance eligible commercial projects, while other CRE programs have different terms and underwriting. Visit our Hard Money Loans page to explore that category.
Can I finance a property my business will occupy?
Owner-occupied commercial financing may be available for eligible properties and businesses. Lenders may review business financial performance, occupancy, down payment, and other requirements. Some SBA programs may also be relevant for qualifying transactions.
Is approval based only on the property’s value?
No. While the property commonly serves as collateral, lenders may also consider cash flow, borrower credit, financial resources, experience, and other factors. Collateral alone does not guarantee approval.
How long does commercial financing take?
Timing depends on the lender, program, underwriting, appraisal, title work, and any required environmental or property reviews. Share your deadline early; a closing date cannot be guaranteed before the lender completes its review.
Can I refinance an existing commercial property?
Refinancing may be available, depending on the property, current loan, equity, cash flow, and borrower qualifications. Review closing costs, any prepayment provisions on your existing loan, and the proposed new terms.
Different property plans. Different financing paths.
Hard Money Loans
Explore short-term property-backed financing for eligible investment and renovation projects.
Explore Hard Money Loans ↗Construction Loans
Learn about financing for ground-up development and eligible construction projects.
Explore Construction Loans ↗SBA Loans
Explore SBA-backed financing for qualifying business purposes, including eligible property transactions.
Explore SBA Loans ↗Financing is subject to lender approval. Property eligibility, loan amounts, down payments, rates, fees, guarantees, repayment terms, and closing timelines vary by lender, program, and applicant qualifications.
Photography credits
Supporting photos via Unsplash by David Marquez and Point3D Commercial Imaging Ltd. .
Let’s put your property plans in motion.
Connect with Jeshua Morgan to discuss your commercial real estate goals and explore financing options for your next step.