Commercial Real Estate Perm Loans

Empowering Commercial Real Estate with Lightning Loans

Tenacious Advocates for Commercial Lenders and Investors
640

Minimum Credit Score

Depends on Lender

Maximum Debt To Income

80.00%

Maximum Loan To Value

No Max

Maximum Loan Amount

Innovative Mortgage offers Commercial Real Estate Permanent Loans, providing long-term financing solutions for commercial properties. These loans are particularly well-suited for investors and business owners looking to refinance an existing loan, purchase a new property, or unlock equity for business purposes.

Key Aspects of Commercial Real Estate Permanent Loans with Innovative Mortgage:

  • Variety of Lenders: We work with a range of lenders, including conduit lenders, commercial banks, investment banks, and syndicates of banks, to offer you competitive and suitable financing options.
  • Types of Properties: Financing covers a broad spectrum of property types such as condominiums, leaseholds, cooperatives, forest tracts, land sales contracts, and certain types of mineral rights, as well as traditional commercial property types like multi-family residences, office buildings, retail spaces, and industrial properties.
  • Repayment Source Flexibility: We understand that each commercial venture has its unique business model and cash flow cycle; hence, we provide credit-based loans, as well as project-based loans.
  • Insurance Company Funding: For strong borrowers with good credit, we also facilitate loans backed by life insurance companies, which typically target the “four food groups” of commercial real estate: apartment, office, retail, and industrial.
  • Loan Structuring: We are adept at structuring loans to meet the various revenue and lease term conditions that commercial properties may present, ensuring a fit tailored to your financial dynamics.
  • Competitive Terms: Our loans are designed to offer competitive interest rates, loan-to-value ratios, and term lengths that align with your long-term financing needs.

Advantages of Partnering with Innovative Mortgage:

  • Tailored Solutions: We offer personalized loan structures that are designed to meet your specific requirements for permanent financing.
  • Expertise: Our team has a thorough understanding of the commercial real estate market, enabling us to provide you with expert advice and insightful market analysis.
  • Efficiency: We pride ourselves on a streamlined application and approval process to ensure that you get the financing you need without unnecessary delays.
  • Long-Term Support: Beyond the loan, we stand ready to assist you with ongoing financial strategies and refinancing options as your business grows and evolves.

Embarking on Your Commercial Financing Journey:

Whether you’re looking to secure permanent financing for a recently constructed project or refinancing your commercial property to better terms, Innovative Mortgage has the expertise and resources to support your goals.

Contact Innovative Mortgage to discuss your Commercial Real Estate Permanent Loan needs. Our dedicated team is ready to provide you with the strategic financing solutions necessary to support and grow your commercial real estate portfolio.

Pros of Commercial Real Estate Perm Loans

1

Lightning Fast Shopping

We compare over 100 sources to find the most aggressive deal available for you.
2

Time-saving Tech

Our use of AI pre-underwriting eliminates 70% of the waiting time.
3

High LTV

With LTVs up to 80%, our loans offer the flexibility your commercial project needs.

Cons of Commercial Real Estate Perm Loans

1

Requires Financials

Conventional commercial loans require 3 years of financials on the property and the borrower.
2

Stricter Requirements

Compared to other loans, conventional commercial loans have more stringent requirements.

Key Issues That Will Get Early Attention

1
Understand Loan Requirements
We'll help you understand the specific requirements of commercial perm loans and guide you through the process.
2
Assess Lender Matches
With our technology, we quickly identify which lenders are the best match for your scenario.
3
Analyze Financials
We'll help analyze 3 years of financials on the property and the borrower to meet loan requirements.
4
Discuss Commercial Strategy
We'll work with you to discuss your overall commercial strategy and how a Commercial Real Estate Perm Loan fits into that.