Real Estate Financing
Financing options for purchasing, refinancing, renovating, or expanding commercial real estate and investment properties.
Best for: Owner-operators acquiring property and real estate investors expanding portfolios
Commercial Real Estate
Commercial Real Estate Loans for Owners and Investors
Financing for office, retail, industrial, multifamily, mixed-use, and special-purpose commercial properties.
Overview
Commercial real estate (CRE) loans help business owners and investors purchase, refinance, renovate, or build commercial properties. American Financial Source works with lenders across owner-occupied mortgages, investment property loans, construction financing, and CMBS or portfolio structures for stabilized assets.
Typical amounts
Typically $500,000 to $50,000,000+ depending on program
Speed
CRE transactions typically take 30–60 days to close
Terms
Commonly 5–30 years depending on structure
Best For
Owner-operators acquiring property and investors building or refinancing commercial portfolios.
Common Use Cases
- Office, retail, industrial, and warehouse acquisition
- Multifamily and mixed-use properties
- Owner-occupied commercial purchases
- Refinance of existing commercial mortgages
- Ground-up construction and value-add projects
- Cash-out refinance on stabilized assets
Potential Benefits
- Multiple lender relationships and program types
- Longer amortizations for qualifying transactions
- Fixed and floating-rate structures available
- Sized for transactions from small CRE to institutional scale
Things to Consider
- Property type, location, and condition affect terms
- Down payment and reserves typically required
- Appraisals, environmental, and title reports add to timelines
- DSCR, LTV, and sponsor experience drive underwriting
How the Process Works
- 1Submit a secure application with basic business details
- 2American Financial Source reviews your profile and identifies eligible products
- 3Connect with a funding specialist to discuss the right structure
- 4Provide any final documentation and complete underwriting
- 5Funds are disbursed once the offer is accepted and finalized
Required Documents
- Business and sponsor application
- Property details, purchase contract, or refinance payoff
- Rent roll and operating statements (for investment properties)
- Personal and business financial statements
- Personal and business tax returns
Frequently Asked Questions
Related Funding Options
Bridge Financing
Bridge financing provides short-term capital to cover the gap between a current obligation and a longer-term financing or sale event.
Best for: Operators and investors with a defined exit or refinance plan
Apply
Apply for Commercial Real Estate Loans
Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.
- Secure DocuSign envelope — confidential submission
- Most applications take less than 10 minutes
- Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622
Prefer to talk first? A specialist can walk through options before anything is submitted.
Ready to Find the Right Funding Option?
Start your application today and let American Financial Source help you explore funding options built around your business goals.