Commercial Mortgage Loans

Apply for funding to grow your business

Apply Now
Mortgage Lending That Makes Sense | Up to $50,000,000 | Rates Starting At 6%

Opportunity Business Loans is dedicated to providing capital for business owners and real estate investors looking for an easy funding process to secure their next Real Estate Investment. We offer a variety of Commercial Mortgage Loans that start at $150,000 and go all the way up to $50,000,000.

These mortgages come with fixed interest rates as low as 6% and terms from 1 to 30 years. With banks declining more and more commercial mortgage applicants, Opportunity Business Loans approves quickly through our simple and stress-free application process.

We have a higher approval rate than any other Commercial Mortgage Lender in this industry and offer customized loan programs that are unique to your individual business needs. Give us a call today or fill out our online application loan to finance your next Commercial Building.

Rated #1 Online

Commercial Mortgage Lender in 2020

What Are Commercial Mortgage Loans?


Commercial Real Estate (CRE) is any income-producing property used for business purposes. This includes any industrial building, including: retail malls, shopping centers, office buildings and complexes, and hotels and motels. These properties can bring substantial returns for the investors who own them.

Financing commercial real estate can be accomplished through Commercial Mortgage Loans. These loans are made for business entities who are planning to purchase, expand, or renovate commercial real estate. Commercial Mortgages typically range from 5 to 30 years and often come with an amortization period that is longer than the loan term. The Loan-to-Value (LTV) ratio of these loans are typically between 65% to 80%.

Commercial Mortgage Loans differ from Residential Loans because they are designed specifically for business purposes. Commercial loans are built for small and large businesses structured as LLC, LP, S, or C Corporations. Alternatively, Residential Mortgages are available for individual borrowers.

Features

  • Loan Amount: $100,000 – $50,000,000
  • Loan-to-Value: Up to 80%
  • Term Length: 5 – 30 Years
  • Interest Rate: 6% – 14%
  • Approval Time: Same-Day
  • Time To Fund: 3 – 4 Weeks

Benefits

  • Fast approvals
  • All credit scores accepted
  • Flexible terms
  • Fixed and adjustable rates
  • Quick underwriting
  • Fast and affordable

Personal Guarantee vs. Non-Recourse Loans

Most of the time, the subject property will be used as collateral on mortgages. However, in some cases, a personal guarantee will be required. This is usually the case if your company is a small business that hasn’t been in operation for very long. If you are a newer company, you probably lack the financial track record the most lenders look for when lending mortgages.

In another scenario, lenders may require a personal guarantee on top of using the property itself as collateral. This is called a Non-Recourse Loan because the borrower will not be able to provide additional funds to the lender if the property doesn’t cover the amount owed.

What Do Commercial Lenders Look For?

  • Business Finances: Lenders will look at your business finances when looking over your Commercial Mortgage application. They look at your Debt Service Coverage Ratio, which is your Annual Net Operation Income (NOI) divided by your Annual Total Debt. They will also look at your credit score to determine your interest rate, payback period, and down payment.
  • Personal Finances: Unfortunately, business finances and personal finances are not always separated. When you apply for a loan, the lender will look into the personal financial history of all business owners and partners. They will check personal credit score and financial history to verify there have been no defaults, foreclosures, or tax liens in the past. A Low personal credit score could harm your approval chances.
  • Property Characteristics: Finally, the lender will look at the property you are planning to invest in. There will generally be a lien attached to the property that allows the lender to seize the asset if you fail to repay the loan on time. To qualify for a Commercial Mortgage Loan, your small business will be required to occupy at least 51% of the building. If this isn’t the case for your business, you can apply for a Property Investment Loan instead.

Call (855) 211-6522 Today!

Eligible Commercial Real Estate Properties

Opportunity Business Loans offers a variety of financing options for Real Estate Investors, no matter what type of property they are investing in. Below are the properties that are eligible for our Commercial Mortgage Loans. If you don't see your property type below, give us a call. We have flexible lending solutions that cover any type of real estate investment.

1.
Multi-Unit
2.
Multi-Family
3.
Apartment Building
4.
Vacant Lots
5.
Warehouse
6.
Hotels and Resorts
7.
Office Buildings
8.
Retail Buildings
9.
Townhomes
10.
Condominiums
11.
Mixed Use
12.
Retail

Get Business Financing Today

In just 3 easy steps, you can explore your financing options.

Step 1: Just one simple application

Start by filling out our fast application where you can tell us about you and your business. With just one simple application, you'll have access to over a hundred different lenders.

Step 2: Match with the best lender

After submitting your application, our advisors will evaluate your business profile and match you with lenders who can offer the best financing for your business.

Step 3: Select and receive the best financing

Review all your different financing opportunities with an advisor at hand. With so many opportunities at your door, you’ll find the best one to meet all your business needs.

We’ll Bring You The Right Opportunity.

We work with only the best lenders to give you a variety of options to choose from. Compare different rates from just one site. Let Opportunity knock on your door!
Apply Now

How to start a laundromat. A simple step-by-step guide.

Table of Contents Step 1: Do Your Research Competitor Research Location Expenses Step 2: Write A Business Plan Step 3: Form A Business Entity Step 4: Buy or Build Your Laundromat Business Buying An Existing Laundromat Building A New Laundromat…

Read more

Overt Discrimination: What is it and how do you handle with it?

Table of Contents Overt discrimination in the workplace Overt discrimination in lending What to do when you are faced with overt discrimination What are the other types of discrimination? Disparate Treatment Disparate Impact Tips for preventing discrimination in your business…

Read more

Top Women-Owned Businesses in Austin, TX in 2021

Baby Greens 1508 W Anderson Ln Austin, TX 78757 (512) 770-6255 Baby Greens has saw a significant increase in popularity since the burger joint started serving made-to-order salads and wraps in 2004. The tiny drive-thru began to grow quickly due…

Read more
All rights reserved @ Personal Loans 2024