Commercial Real Estate Loans

What it is

Commercial real estate loans, or CRE loans, help you buy, refinance, or improve business property. That could be an owner-occupied building you operate from, or an investment property you rent to other businesses.

Lenders typically finance a portion of the property's value and ask you to cover the rest as a down payment. This is measured by loan-to-value, or LTV. Many commercial loans fall in the range of roughly 65% to 80% LTV, meaning you put down about 20% to 35%.

Owner-occupied loans (where your business uses most of the space) often have more favorable terms than investment-property loans. The right structure depends on how you plan to use the property.

Best for

• Owners ready to buy or refinance their business location
• Investors purchasing income-producing commercial property
• Businesses that have outgrown a leased space

Typical requirements

Most lenders typically look for the following. Exact criteria vary by partner.

• A down payment, often around 20% to 35% of the property value
• Credit score: many lenders look for 650+
• Property details and, for investment property, projected rental income
• Documents: tax returns, financial statements, and a property appraisal

How the process works

What to expect

Commercial real estate loans generally take a few weeks to close because of appraisals and underwriting. Down payment, rate, and LTV depend on the property and your profile. Alta matches you with lender partners; the lender makes the final lending decision and sets all terms.

Final terms, eligibility, rates, and approval decisions are made by the lender partner, not by Alta Business Loans. We do not guarantee approval or specific terms.