Commercial Real Estate Loan

The 3CALoan Commercial Real Estate Lending Advantage

Commercial Real EstateWhat is a Commercial Real Estate Loan?

A commercial real estate loan is a debt-based financial agreements between a business and a financial institution. Such businesses, which may operate from an office space or even a retail store, include limited liability companies or S-Corporations, but not necessarily individuals. The companies use these commercial loans to finance the growth of their companies consisting of purchasing properties or constructing properties. Simply put, these loans are used to help payoff expensive necessities to start and operate a new business.

The types of Commercial Real Estate Loans:

The different type of commercial real estate loans include the following:

  • Traditional Term Loans
  • Short-Term Loans
  • SBA Loans
  • Equipment Loans
  • Business Line of Credit
  • Merchant Cash Advance

How does a Commercial Real Estate Loan work?

A lien, guaranteeing loan repayment, is a legal right that a property owner gives to a creditor. So if the owner is unable to pay the creditor, the creditor has a right to the asset or property. Therefore, a commercial real estate loan is a mortgage loan secured on the commercial real estate loan being purchased.

The first step is to place a down payment of 20-30% of the purchased property. This type of loan may come as an amortized loan or a balloon loan with an intermediate-term loan of 3 years or less or a long-term loan of 5-20 years. The amortized loan requires the borrowing company to pay the lender fixed installments and interest. The balloon loan, on the other hand, requires the borrowing company to pay one big payment at the end to payoff the remaining principal.

Why should you choose 3CALoan?

When it comes to investing in commercial properties, often times the difference between a good investment and a great investment is financing. 3CALoan understands this slight impasse. Hence, we have developed a comprehensive mix of highly customized commercial real estate loans. These programs, offered at competitive rates, will help to maximize your return based on the individual needs and requirements for your property and needs. Hence, owners and investors can spend less on interest and fees and turn an even bigger profit from their investment in commercial buildings or complexes.

There are flexible loan terms and payment schedules available to fit the needs of any owner or investor. Thus, it does not matter whether the funding is used on the purchase, the construction, or the renovation of an existing structure. We can provide financing for all of the following:

  • Multiple loan programs ensure you get the financing that’s best for you and your property
  • Large, multi-million dollar commercial complexes
  • Mid-size commercial complexes
  • Smaller commercial, such as a strip center, retail building etc.