Commercial Real Estate Loans — Own Your Business Property
Stop paying rent and start building equity. Commercial real estate loans from 3A Lending help businesses purchase, refinance, or improve commercial properties with competitive rates and terms designed for long-term ownership. We work with businesses across all 50 states to find the best CRE financing solution.
$5M+
Loan Amounts
0 yr
Max Term
6.8%
Rates From
All 0
States Served
Property Types We Finance
Office buildings and professional spaces
Retail stores and shopping centers
Warehouses and distribution centers
Manufacturing and industrial facilities
Medical and dental offices
Restaurants and hospitality
Mixed-use properties
Multi-family commercial buildings
Financing Options for Commercial Real Estate
There are multiple paths to financing commercial property, and the right choice depends on your situation. 3A Lending helps you evaluate all options:
SBA 504 Loan: Best for owner-occupied properties. Just 10% down with a below-market fixed rate on the CDC portion. Ideal for businesses that will occupy at least 51% of the property.
SBA 7(a) Loan: Versatile option that can also cover working capital needs alongside the real estate purchase. Up to $5M with terms to 25 years.
Conventional Commercial Mortgage: For businesses that don't qualify for SBA programs or need larger loan amounts. Typically requires 20-25% down.
Bridge Loans: Short-term financing to acquire property quickly while longer-term financing is arranged. Ideal for competitive purchase situations.
Why Own Instead of Rent?
Build Equity: Every mortgage payment builds ownership in an appreciating asset — rent payments build nothing
Lock In Costs: Fixed mortgage payments protect you from rising rents and unexpected lease increases
Tax Advantages: Depreciation, mortgage interest deductions, and potential 1031 exchange opportunities
Business Stability: No more worrying about lease renewals, landlord decisions, or forced relocations
Wealth Building: Commercial real estate has historically appreciated in value over time
Ready to Own Your Business Property?
Let us help you find the right commercial real estate financing for your business.