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Commercial Loan
Flexible Financing for Business Growth & Investment Properties
A Commercial Loan is designed for business owners, investors, and developers looking to purchase, refinance, or expand commercial real estate holdings. Whether you’re acquiring office buildings, retail spaces, multifamily properties, or industrial facilities, our commercial loan programs offer competitive rates, flexible terms, and high borrowing limits to help you achieve your business goals.
Why Choose a Commercial Loan?
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High Loan Amounts – Borrow up to $5 million+ for commercial properties
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Flexible Loan Terms – Choose from fixed, adjustable, and interest-only options
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Low Down Payment Options – As low as 10%-30% (varies by property type & loan program)
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Multiple Property Types Eligible – Office, retail, industrial, multifamily, mixed-use, and more
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Cash-Out Refinance Available – Access equity for business expansion or investment
Commercial Loan Qualifications
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Property must be a commercial-use property (office, retail, industrial, multifamily, etc.)
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Down payment of 10%-30% (varies by property type & borrower profile)
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Minimum credit score of 660+ (higher scores may qualify for better terms)
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Debt Service Coverage Ratio (DSCR) of 1.25+ (rental income should cover the loan payment)
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Stable business income or strong financial reserves
Step-By-Step Commercial Loan Process
1. Consult with Our Experts
Discuss financing needs & property details
2. Submit Financial Documents
Business financials, property income, and credit review
3. Loan Pre-Approval
Get an estimate of your borrowing power
4. Underwriting & Loan Approval
Property valuation & financial analysis
5. Close & Expand Your Business
Secure funding for your commercial project
Advantages of a Commercial Loan
Finance Large-Scale Projects – Higher loan limits for commercial properties
Refinancing & Cash-Out Options – Use equity for business growth
Flexible Repayment Terms – Options from 5 to 30 years
Available for Various Property Types – Office buildings, retail spaces, industrial properties, multifamily, mixed-use, and more
No Personal Income Verification for Some Loans – Business revenue or DSCR-based qualification
Fast Loan Processing & Approvals – Get funding without unnecessary delays
Commercial Loan vs. Conventional Loan – Which Is Right for You?
FEATURE
COMMERCIAL LOAN
Non-traditional Loan
Property Type
Office, retail, industrial, multifamily, mixed-use
Residential, Investment Properties, Condotels, Non-Warrantable Condos
Down Payment Required
10%-30%
10%-25%
Loan Amounts
Up to $5M+
Up to $3M
(varies by lender)
Income Verification
Business income or DSCR
Bank Statements, 1099s, Asset Depletion, or No Income Verification
Loan Terms
5-30 years
Typically 15, 20, or 30 Years
Why Choose Us for Your Commercial Loan?
At Trust Lending, we specialize in tailored commercial financing solutions that help businesses and investors secure the funding they need for growth and expansion.
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Expert Guidance – Work with specialists in commercial real estate financing
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Flexible Loan Structures – Fixed, adjustable, and interest-only options
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Fast & Hassle-Free Approvals – Quick processing & funding
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Technology-Driven Service – Secure, seamless digital experience
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Trusted Experience – Over 20 years in mortgage lending
At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
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Personalized Loan Solutions – We customize every loan to match your financial goals.
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Expert Guidance – Our experienced team walks you through every step of the process.
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Fast & Smooth Approvals – We streamline the process to get you approved quickly.
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Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
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Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
Learn More About Commercial Loans
What Is a Commercial Loan?
A Commercial Loan is a mortgage designed for businesses and investors who want to purchase, refinance, or expand commercial real estate holdings. These loans allow borrowers to finance income-generating properties, fund large-scale projects, or access capital for business growth.
Who Can Benefit from a Commercial Loan?
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Business owners buying office or retail spaces
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Real estate investors acquiring multifamily or mixed-use properties
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Developers funding new construction projects
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Industrial companies purchasing warehouses or facilities
Types of Commercial Loans
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Commercial Real Estate Loan – Traditional financing for income-generating properties
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SBA 504 & SBA 7(a) Loans – Government-backed loans for small businesses
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Bridge Loan – Short-term financing for fast property acquisitions
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Construction Loan – Financing for new commercial developments
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Commercial Cash-Out Refinance – Access property equity for business expansion