Whether you’re acquiring an office building, a retail strip center, a warehouse, or a multifamily apartment complex, commercial real estate financing requires a different approach than residential lending. The underwriting is more complex, the loan amounts are larger, and the lender options are narrower — which makes having the right broker in your corner critically important.
OSO Creek Financial works with investors and business owners seeking financing for commercial properties nationwide. We have access to wholesale commercial lending programs that may not be available to borrowers who go directly to a bank.
Long-term financing for stabilized commercial properties with strong occupancy and established cash flow. Terms typically range from 5 to 30 years, with fixed or adjustable rates available.
For investors who don't qualify under traditional bank underwriting, Non-QM commercial programs offer more flexible documentation and qualification standards — similar in concept to our residential Non-QM products, but applied to commercial assets.
Just like our residential DSCR loans, these programs qualify the property based on its income-to-debt coverage ratio rather than the borrower's personal income. Ideal for investment properties with verifiable rental or business income.
Short-term commercial bridge loans for acquisitions, value-add repositioning, lease-up, or situations where permanent financing needs to wait.
Small Business Administration loans for owner-occupied commercial properties. SBA 7(a) and SBA 504 programs offer competitive terms for business owners purchasing their own commercial space. Contact us to discuss eligibility.
Commercial underwriting focuses primarily on the property itself — its income, its expenses, its occupancy rate, and its market value. The primary metric is Net Operating Income (NOI) and the resulting DSCR. Personal income and credit are also evaluated, but the property’s ability to service the debt is the foundation.
Lenders will typically look at:
Commercial loans move more slowly than residential loans because of the due diligence involved. A full commercial appraisal, environmental assessment, title review, and lease analysis all take time. Plan for 30 to 60 days from application to closing on a standard commercial loan, or 14 to 21 days on a bridge loan.
The best thing you can do to accelerate the process is gather your documents early. We’ll give you a specific checklist for your property type once we understand your transaction.
Commercial lending is far less commoditized than residential. Banks and lenders have individual appetites for different property types, markets, tenant profiles, and borrower backgrounds. An experienced commercial mortgage broker understands which lender is right for each deal — and can save you enormous time and frustration versus knocking on bank doors one by one.
Mark Stillman and the OSO Creek Financial team bring the same client-first approach to commercial lending that we apply to every residential loan. We’re transparent about what to expect, honest about what we can and can’t do, and focused on getting your transaction closed efficiently.
