Commercial Real Estate (CRE) financing provides capital for businesses to buy, build, or renovate income-producing properties (offices, retail, industrial, multifamily) using loans from banks, agencies (SBA), or private lenders, requiring significant down payments (20-40%) and offering various terms (5-20 years) with options like construction, permanent, or bridge loans, differing from residential loans by property focus, larger loan sizes, and risk structures (recourse/non-recourse). 

 

General Types of CRE Financing 

• Can be Term loans or several different types of  construction loans, or types of refinancing for various properties (office, retail, industrial).

•  SBA Loans : Government-backed,often with lower rates, longer terms (25 yrs), and lower down payments (as low as 10%) for owner-occupied or specific projects, or other hybrid loans or notes.

• CMBS (Commercial Mortgage-Backed Securities): Developers can create or gather Loans pools, and help you issue bonds, or other types with more value and often with shorter terms.

• Bridge Loans: Short-term loans for quick financing needs, often before permanent financing is available. 

 

Key Features of CRE Loans

• Down Payments: Typically 20% to 40% of the property's value.

• Loan Terms: Shorter than residential, often 5-20 years, with balloon payments possible, notes.

• Collateral: The commercial property itself secures the loan.

• Guarantees: May require personal or business guarantees (recourse debt) or be non-recourse (personal assets protected).

• Uses: Acquisition, construction, refinancing, expansion. 

Greater Globe Alliance; GGA will help your firm tailor a commercial real estate financing structure that works with your developmental deal. GGA and its network can assist you secure funding for a wide range of commercial and developmental real estate projects. Whether your needs are for  commercial, industrial purchases or "builds" or expansion  projects, even to funding entire residential zone developments we can assist you make it happen .Due to  GGA's experience, lenders and vast network we can customize financing solutions that will allow your firm’s expansion or venture successfully get to next level despite if its with short or long term real estate developmental need, we can make its financing easier. Despite it being an investment purchase or to expand your business’s output or because your deal needs to more creative-to-be-competitive, GGA can give you the confidence and help with an innovative financing strategy to get your deal successfully finalized and be profitable.  GGA will complement your firm’s vision. Greater Globe Alliance’s team and its partners help all our clients simplify their financing and its processes, despite how large or complicated the real estate need is, so you can grow your business portfolio confidently.