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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.

Get Pre-Qualified Call (260) 201-1112

Frequently Asked Questions About Commercial Real Estate Loans

How do I finance a commercial property purchase?

There are multiple paths: SBA 504 loans (10% down, fixed rates for owner-occupied), SBA 7(a) loans (versatile, up to $5M), conventional commercial mortgages (20-25% down), and bridge loans for time-sensitive purchases. 3A Lending helps you evaluate all options.

What is the minimum down payment for a commercial real estate loan?

With an SBA 504 loan, you can put as little as 10% down on owner-occupied commercial property. Conventional commercial mortgages typically require 20-25% down. The right option depends on your occupancy plans and financial situation.

Can I refinance my commercial property?

Yes. If you have an existing commercial mortgage with a high or variable interest rate, refinancing through an SBA program or conventional lender can lower your payments and lock in a fixed rate. 3A Lending offers a free Loan Health Analysis to show your savings potential.

What types of commercial properties can I finance?

3A Lending finances office buildings, retail stores, warehouses, manufacturing facilities, medical offices, restaurants, mixed-use properties, and multi-family commercial buildings across all 50 states.

Explore Related Services

SBA 504 Loans

As little as 10% down for commercial real estate

SBA 7(a) Loans

Versatile financing up to $5M for working capital

Business Acquisition

Up to 90% financing for buying an existing business