Commercial
Real Estate Financing
Financing options for business property purchases, refinancing, and long-term real estate goals.
Commercial real estate financing may support businesses looking to purchase property, refinance an existing commercial property, or take the next step in a long-term occupancy or investment strategy. Real estate decisions often carry long-term implications, which is why the financing conversation should feel clear, well-paced, and grounded in your broader business goals.
What commercial real estate financing may help support
This type of financing may be used for owner-occupied properties, office spaces, retail buildings, warehouses, industrial properties, mixed-use properties, or refinancing situations. It can also be relevant when a business is looking to move out of a lease, secure a long-term location, or support a major expansion plan.
Owner-Occupied
Properties
Office
Spaces
Retail
Buildings
Warehouses
Industrial
Properties
Mixed-Use
Properties
Refinancing
Situations
funding range
Commercial real estate transactions can vary widely in size. Traditional commercial loan amounts may range from relatively modest projects to $20 million or more, while SBA-backed real estate options can support eligible business owners with loan structures up to $5 million for 7(a) loans and SBA-backed portions up to $5.5 million for certain 504 projects, with some banks funding larger overall projects beyond the SBA portion.
Things business owners often consider
Property type, occupancy, down payment, timing, and long-term business plans can all shape what path makes sense. In conventional commercial lending, down payments often fall in the 10% to 30% range, while some SA-backed.
How we approach the conversation
The process starts with understanding the property goal and the role it plays in the business. From there, the conversation can focus on the type of property, the broader timeline, and which financing routes may be worth exploring with greater detail.
Schedule A Consultation
to explore whether commercial real estate financing may fit your business.
*Funding amounts, terms, and eligibility vary based on the financing product, lender requirements, and the overall business profile.
Commercial lending solutions for
business owners, investors, and entrepreneurs.
Sphinx Capital Group is an independent business focused on providing clear communication, thoughtful guidance, and a more personal approach to financing conversations.
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