Commercial Real Estate Financing & Investment Property Loans
Tailored capital solutions for commercial property acquisition, owner-occupied expansion, and cash-out refinancing. Fast-track approvals from $150,000 to $50,000,000+ across major asset classes.
Underwriting Desk
Property acquisition, permanent refinancing, cash-out equity recapitalization, tenant improvement Capex, and bridge-to-stabilization liquidity nationwide.
Core Commercial Real Estate Loan Programs
From below-market SBA government-backed debentures to institutional conventional mortgages and rapid transitional bridge loans, explore the optimal credit structure for your property.
SBA 504 Commercial Real Estate Loans
Target Usage: Owner-occupied commercial buildings and heavy fixed capital machinery. Must occupy at least 51% for existing facilities or 60% for new construction.
- Long-term, below-market fixed rates pegged to 10-Year U.S. Treasuries
- Amortization schedules up to 25 years with zero balloon payments
- Low equity injection: down payments as low as 10% to 20%
- Up to $5,500,000 in CDC debenture allocation per project
SBA 7(a) Real Estate Facilities
Target Usage: Real estate acquisition, ground-up construction, debt refinancing, and business purchase transactions secured by commercial property.
- Financing allocations up to $5,000,000 total facility capacity
- 25-year fully amortized terms with no balloon payment risk
- Can bundle real property acquisition with working capital and equipment
- Competitive prime-pegged adjustable and fixed rate options
Conventional Commercial Mortgages & Cash-Out Refi
Target Usage: Stabilized commercial real estate, multi-tenant investment portfolios, rate-and-term restructuring, or extracting equity for business growth.
- Up to 75%–80% Loan-to-Value (LTV) with nationwide asset coverage
- Institutional pricing with flexible 5, 7, and 10-year term horizons
- Customizable interest-only (I/O) periods during lease stabilization
- 25 to 30-year amortization curves minimizing debt service drag
Bridge & Transitional Asset Financing
Target Usage: Time-sensitive acquisitions, property repositioning, tenant lease-up, construction completion, or short-term value-add execution.
- Rapid underwriting with fast-track closing in as little as 10 to 14 days
- Flexible 12 to 36-month terms designed for quick closings
- Interest-only payment options preserving project cash liquidity
- Seamless take-out refinancing transition into permanent senior debt
Eligible Commercial Property Classes
Biggs Funding Solutions finances income-producing and owner-occupied commercial real estate across all major Tier 1 and secondary metropolitan markets.
Multifamily & Apartment Buildings
Garden apartments, mid-rise complexes, mixed-use commercial/residential properties, and student housing assets nationwide.
Industrial, Logistics & Warehousing
High-clear distribution centers, cold storage facilities, light manufacturing plants, and versatile flex-industrial spaces.
Retail & Shopping Centers
Neighborhood grocery-anchored centers, unanchored strip malls, standalone single-tenant net-lease (NNN) pads, and lifestyle centers.
Office Buildings & Parks
Class A & B suburban business parks, single-tenant corporate headquarters, medical office buildings (MOB), and professional suites.
Healthcare & Specialized Facilities
Ambulatory surgery centers, urgent care facilities, specialized diagnostic clinics, and assisted living senior housing.
Hospitality & Special Use Assets
Select-service & boutique hotels, climate-controlled self-storage facilities, mobile home communities, and commercial auto centers.
Interactive DSCR Debt Sizing Terminal
Commercial lenders require a minimum 1.20×–1.25× DSCR for prime rates. Model property cash flow, debt service payments, and maximum debt capacity in real time.
Net Operating Income (NOI) represents total rental collections minus real estate taxes, property insurance, and ongoing maintenance. Debt service excludes sponsor distributions.
Strong debt coverage exceeding institutional threshold. Eligible for lowest credit spreads, up to 80% LTV, and non-recourse debt options.
Document Readiness Diagnostic
Select your target facility and check off on-hand records to calculate real-time term sheet velocity.
Official PDF bank statements reflecting operational revenue and liquidity.
Itemized dealer invoice or machinery specification quote
Corporate profile, ownership breakdown, and intended use of facility.
Corporate federal filings for maximum Prime-spread qualification.
Pre-fills your application package for instant queue placement with zero broker markups.
Underwriting & Documentation Checklist
Follow our streamlined 2-step commercial intake process to receive an underwriting Letter of Intent (LOI) within 24 to 48 hours.
Transaction Basics & Property Package
Real property records required to evaluate collateral valuation, tenant profile, and net cash flow performance.
- Current Rent Roll: Detailed tenant schedule with lease expiration dates, square footage, and monthly rental income.
- Property Operating Statement (T12): Trailing 12-month Income & Expense statement for investment assets.
- Property Details & Purchase Agreement: Full address, legal description, purchase contract or current payoff statement.
- Commercial Debt Schedule: Comprehensive overview of all active business and property liabilities being serviced.
- Appraisal & Environmental: Lender will order independent third-party commercial appraisal and Phase I review.
Borrower & Business Financials
Sponsorship evaluation verifying borrower liquidity, global debt service coverage (DSCR), and credit profile.
- Operating Bank Statements: Last 3 to 6 months of official business and personal depository statements.
- Corporate & Personal Tax Returns: Prior 2 years of complete federal returns with all schedules (for full-doc & SBA programs).
- Personal Financial Statement (PFS): Form signed by all principal equity owners holding 20% or greater interest.
- Mortgage Verification: Current mortgage statement demonstrating timely, satisfactory repayment history.
- Entity Documentation: Certificate of Good Standing, Articles of Organization/Incorporation, and Operating Agreement.
Connect Directly with our Commercial Real Estate Team
Have a deal under contract, upcoming mortgage maturity, or portfolio refinance scenario? Our senior underwriters provide upfront sizing, term quotes, and underwriting guidance nationwide.
Commercial Real Estate Financing FAQ
Essential underwriting guidelines, loan structures, and qualification criteria.
10–25 year terms • SBA 504 & 7(a) • Conventional & bridge debt • Allocations $150K to $50M+