Commercial Financing
Flexible loan solutions for business & investment properties.
Flexible Loan Solutions for Business & Investment Properties
Whether you're purchasing an office building, expanding a retail space, acquiring an investment property, or refinancing an existing commercial loan, Louisa Mortgage offers financing solutions built around your business goals — not a one-size-fits-all approach.
Request a Commercial Loan Quote →What Is Commercial Financing?
Commercial Financing refers to loans used to purchase, refinance, or improve properties used for business or investment purposes — rather than as a primary residence. These loans are structured differently than residential mortgages, with terms based on the property's income potential, your business's financial strength, and your overall investment strategy.
Types of Commercial Financing We Offer
Commercial Purchase Loans
Financing to acquire office buildings, retail centers, warehouses, mixed-use properties, and other business real estate.
Commercial Refinance
Refinance an existing commercial loan to secure a better rate, lower your monthly payment, or access equity for reinvestment.
Multifamily & Investment Property Loans
Financing for apartment buildings and multi-unit residential properties held as investments.
Bridge Loans
Short-term financing to help you move quickly on a commercial opportunity while longer-term financing is arranged.
SBA Loans
Government-backed financing options for qualifying small businesses looking to purchase or improve owner-occupied commercial real estate.
Why Choose Louisa Mortgage for Commercial Financing?
Flexible Loan Structures
Terms tailored to your property type, business plan, and investment goals.
Competitive Rates
Access to a range of lending partners to help secure favorable terms.
Fast, Clear Communication
A dedicated loan officer guides you through every step, without the runaround.
Experience Across Property Types
From single-tenant retail to multifamily complexes, we've helped finance a wide range of commercial projects.
Support for Growing Businesses
Whether you're buying your first commercial property or expanding a portfolio, we scale our guidance to fit your stage of growth.
What You'll Need to Qualify
Commercial loan requirements vary by lender and loan type, but generally include:
- Credit History: Strong personal and/or business credit history.
- Financial Records: Financial statements and tax returns for your business.
- Property Plan: A clear plan for the property's use (owner-occupied vs. investment).
- Valuation & Income: Property appraisal and income documentation (for income-producing properties).
- Down Payment: Typically ranging from 10–30% depending on the loan type and property.
How the Commercial Financing Process Works
- Initial Consultation: We'll discuss your business goals, property type, and financing needs.
- Document Collection: Gather financial statements, tax returns, and property details.
- Loan Structuring: We'll match you with the right loan type and lending partner for your situation.
- Underwriting & Appraisal: The property and your financials are reviewed and verified.
- Approval & Closing: Finalize your loan terms and close on your commercial property.
- Ongoing Support: We're here for future refinancing, portfolio growth, or additional financing needs.
Commercial Financing FAQs
Office buildings, retail centers, warehouses, mixed-use properties, multifamily buildings, and other business or investment real estate can typically qualify, depending on the loan program.
Down payment requirements vary by loan type and property, generally ranging from 10–30%.
Yes. We offer financing for both owner-occupied business properties and non-owner-occupied investment properties, including multifamily buildings.
Commercial loans are typically based on the property's income potential and the borrower's business financials, often come with shorter terms, and may have different rate structures compared to residential mortgages.
Yes, for qualifying small businesses looking to purchase or improve owner-occupied commercial real estate, SBA loan options may be available.
Ready to Finance Your Next Commercial Property?
From your first consultation to closing day, Louisa Mortgage is here to help you structure the right financing for your business or investment goals.
This content is for informational purposes only and does not constitute a loan offer or guarantee of approval. Rates, terms, and eligibility are subject to change and lender review.