Commercial Real Estate
Whatever your commercial real estate financing needs might be, our team at KEYZ Capital is made up of some of the top CRE experts in the country.
What is Commercial Real Estate Financing?
Commercial real estate (CRE) financing provides businesses and investors with the capital needed to purchase, develop, or refinance income-generating properties. These loans are offered by banks, private lenders, and institutional investors, providing structured solutions that help businesses secure funding that may not be available through conventional loans.
CRE financing is ideal for a variety of property types, including office buildings, retail centers, multifamily units, industrial spaces, and mixed-use developments. Whether you’re acquiring a new property, renovating an existing one, or refinancing for better terms, commercial real estate loans offer competitive rates, flexible terms, and tailored solutions to fit your business goals.



The Benefits of Commercial Real Estate Financing
CRE loans offer long repayment terms, competitive rates, and customized financing to help businesses and investors grow their real estate portfolios. Whether you’re acquiring a new investment property, expanding your business space, or refinancing an existing loan, CRE financing provides the capital you need with flexible structures to support long-term growth.
Cash Flow Management
Enables businesses to manage cash flow effectively by allocating property costs over an extended period, thereby preserving capital for other operational needs or investments.
Property Appreciation
Allows borrowers to profit from property appreciation over time, while their initial investment is limited to just a fraction of the property's cost, potentially leading to substantial gains upon sale.
Build Equity
Commercial real estate loan payments contribute to building equity in the property, which can serve as a valuable asset for the business or collateral for future financing.
Tax Benefits
Offers tax benefits by allowing interest payments and property depreciation deductions, effectively reducing the overall loan cost.
Loan-to-Value (LTV) Ratio
A key feature of commercial real estate loans, signifies the loan amount in relation to the property's appraised value, affecting interest rates and loan terms due to the associated risk level for the lender.
Interest Rates and Terms
Commercial real estate loans come with either fixed or variable interest rates over a specified term. The term of the loan can vary significantly, from a few years to several decades.
Repayment Structure
Often features an extended amortization period with a shorter loan term, resulting in lower monthly payments but a larger balloon payment due at the term's end..
Collateral
Commercial real estate loans are typically collateralized by the property, offering security to the lender but presenting increased risk for the borrower, who could lose the property in the event of default.
Types of Commercial Real Estate Loans
1. Traditional Commercial Mortgage
A long-term loan used to finance the purchase or refinancing of owner-occupied or investment properties. Loan amounts and terms vary based on property value and borrower qualifications.
2. SBA 504 Loan for Commercial Real Estate
A government-backed loan specifically designed for owner-occupied properties, offering low down payments, long repayment terms, and fixed interest rates.
3. CMBS (Commercial Mortgage-Backed Securities) Loans
CMBS loans are non-recourse loans with low, fixed rates and are ideal for large commercial properties, such as shopping centers, office buildings, and hotels.
4. Bridge Loans
Short-term loans used to bridge the gap between purchasing a property and securing long-term financing. Ideal for quick acquisitions, renovations, and value-add projects.
5. Hard Money Loans
Asset-based loans providing fast funding for investors who may not qualify for traditional financing. Great for fix-and-flip projects and high-risk investments.
Fuel Your Growth with Commercial Real Estate Financing
Secure the capital you need to acquire, develop, and scale your real estate portfolio with competitive rates, long terms, and flexible financing solutions. Whether you’re purchasing a new commercial property, refinancing an existing loan, or funding a development project, our team at KEYZ Capital will guide you every step of the way.
🔹 Fast Prequalification 🔹 Expert Loan Guidance 🔹 Top Lender Network
Frequently Asked Question about Commercial Real Estate Loans
Here are some of the most common Commercial Real Estate Loan questions we get asked.
Commercial real estate loans can be used for:
- Purchasing or refinancing office, retail, industrial, or multifamily properties
- Developing or renovating commercial buildings
- Expanding business operations into new locations
- Refinancing existing commercial loans to secure better terms
Loan amounts depend on the loan type and property value:
- Traditional Commercial Mortgages – Up to $100 million+
- SBA 504 Loans – Up to $5.5 million
- CMBS Loans – Typically $2 million+
- Bridge & Hard Money Loans – Typically $500,000 to $50 million
Interest rates vary by loan type and borrower qualifications:
- Traditional & SBA 504 Loans – 3.5% – 7%
- CMBS Loans – 4% – 6%
- Bridge Loans – 7% – 12%
- Hard Money Loans – 10% – 15%
The most common types include:
✔ Traditional Mortgages (long-term financing for owner-occupied & investment properties)
✔ SBA 504 Loans (low down payment financing for business owners)
✔ CMBS Loans (securitized loans for large commercial properties)
✔ Bridge Loans (short-term financing for acquisitions and renovations)
✔ Hard Money Loans (fast, asset-based funding for high-risk deals)
- Up to 25 years for traditional commercial mortgages and SBA 504 loans
- 5 to 10 years for CMBS loans
- 6 months to 3 years for bridge and hard money loans
Yes, most CRE loans require the property itself as collateral. Some lenders may require additional assets or a personal guarantee, depending on borrower qualifications.
✔ A credit score of 660+ (higher for prime loans)
✔ A loan-to-value (LTV) ratio of 75% or lower
✔ A debt-service coverage ratio (DSCR) of 1.25+
✔ Experience in real estate investment or business ownership (for large loans)
Applying through KEYZ Capital is simple:
- Consultation – We assess your financing needs and recommend the best loan option.
- Document Preparation – We help gather and submit the required paperwork.
- Loan Processing & Approval – We work with lenders to secure the best terms.
- Closing & Funding – Receive the funds you need to invest and grow.
At KEYZ Capital, we specialize in CRE financing and work directly with a network of commercial lenders to ensure you get the best loan terms. Our team simplifies the process, so you can focus on growing your portfolio while we handle the financing details.
Why Work with KEYZ Capital?
Fast Prequalification & Expert Guidance
We simplify the commercial loan process to help you secure funding quickly.
Access to Top Commercial Lenders
We connect you with a network of trusted lenders offering competitive terms.
Tailored Financing Solutions
We structure loans to match your investment goals and long-term business strategy.
Loan Types & Products


