Commercial Real Estate Loans – Finance Office, Retail, Industrial, and More
Whether you’re looking to expand your business footprint or invest in income-producing property, commercial mortgages can help turn that opportunity into action. These loans are specifically designed to finance commercial-use properties such as offices, retail spaces, warehouses, multifamily units, and more.
At American Hero Home Loans, I help business owners and investors across Indiana and many other states secure the financing they need to acquire, refinance, or renovate commercial properties — with flexible terms and competitive rates.
What Is a Commercial Real Estate Loan?
A commercial loan is a mortgage used to purchase, develop, or refinance property used for business purposes. Unlike residential loans, commercial financing is based on the property’s income potential, borrower experience, and business financials.
Loan terms, down payments, and documentation can vary significantly depending on the property type and lender. I’ll guide you through the requirements and help you select the loan structure that fits your investment goals or business plan.
Types of Commercial Properties You Can Finance
Commonly financed commercial property types include:
- Office Buildings: Professional offices, medical facilities, coworking spaces
- Retail Spaces: Strip malls, standalone stores, shopping centers, restaurants
- Industrial Warehouses: Distribution centers, light manufacturing, logistics facilities
- Multifamily (5+ Units): Apartment complexes, senior housing, student housing
- Mixed-Use Buildings: Properties that combine retail, office, and residential units
- Special Purpose: Gas stations, car washes, churches, self-storage facilities, and more
If you’re unsure which loan program matches your commercial property type, I’ll help you evaluate your options based on use, occupancy, and financing strategy.
Key Features of Business Purpose Loans
- Loan Amounts: Ranges from $100,000 to multi-million dollar financing
- Terms: Typically 5, 7, 10, or 25 years, with amortization up to 30 years
- Interest Rates: Fixed or adjustable, based on loan size, term, and credit profile
- Down Payment: Usually 20–30% depending on property type and use
- Qualification: Based on cash flow, business financials, and borrower experience
Fixed vs. Adjustable Commercial Mortgage Options
Commercial loans can be structured with either a fixed rate or an adjustable rate (ARM), depending on your long-term goals and cash flow preferences.
Fixed-Rate Commercial Loans
- Stable monthly payments: Great for predictable budgeting
- Ideal for long-term holds or owner-occupied buildings
Adjustable-Rate Commercial Loans
- Lower initial interest rate: Often more competitive in the early years
- Suited for short-term ownership or when planning a refinance
Who Can Benefit from a Commercial Loan?
Commercial real estate loans are a good fit for:
- Business owners looking to buy or expand their office, warehouse, or retail space
- Real estate investors purchasing multifamily or mixed-use properties
- Developers seeking to build new commercial projects
- Nonprofits and special-use operators financing niche facilities like schools, churches, or event spaces
If you’re purchasing property for rental income or your own business operations, we’ll find the financing solution that supports your long-term vision.
Why Work With a Commercial Loan Expert?
Commercial real estate lending is complex — and choosing the right partner matters. With over 19 years of lending experience, I help clients across Indiana structure loans that work, with guidance every step of the way.
- Loan comparison and strategy support
- Local knowledge of Indiana’s commercial markets
- Fast response times and transparent communication
- Access to banks, credit unions, and private lenders
From owner-occupied office buildings to investor portfolios, I’ll help you make a smart, informed decision about your commercial loan options.
Frequently Asked Questions About Commercial Mortgages
What’s the typical down payment for a commercial property?
Most lenders require 20–30% down, though SBA loans may allow lower down payments with additional qualifications.
Can I finance a commercial property in an LLC or business name?
Yes. Most commercial loans are made to business entities rather than individuals. I’ll help you structure your application accordingly.
What documents are needed for approval?
Be prepared to provide business tax returns, personal financial statements, rent rolls (if applicable), and a property appraisal. Requirements vary by lender and property type.
Can I refinance an existing commercial loan?
Yes. Commercial loans can be refinanced for better terms, cash-out purposes, or to switch loan structures (e.g., ARM to fixed).
Final Thoughts
Commercial real estate loans can open the door to business growth and long-term investment opportunities. Whether you’re buying your first building or expanding your portfolio, I’ll help you explore every option with guidance, experience, and a focus on what’s best for your business or investment strategy.
