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Top Commercial Real Estate Lenders

You'll almost certainly need a commercial real estate loan to meet the costs of acquiring a new building or refurbish an existing one for your company. There are countless commercial lenders across the country that can provide the loans needed that may not be the large banks you would know.

We looked into a number of commercial lenders and loan programs and compiled a list of the top commercial real estate loans available to small business owners and real estate investors. 

We will continue to add more as we evaluate other lenders.

In evaluating the best commercial real estate loans, we looked at the top lenders and considered the following:

  • Use of funds

  • Customer experience

  • Fees and rates

  • Repayment terms

  • Minimmum qualifications

  • Speed of funding

 

This is not an endorsement for these companies so please perform your own due diligence before working with them.

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CV Capital Funding

CV Capital Funding, LLC (“CVCF”) is a commercial real estate direct lender with nationwide coverage that offers loans for acquisitions, refinancing, restructurings, discounted payoffs, lease-up stabilizations, and other special situations.

CVCF is a balance sheet lender and utilizes its own capital to fund loans for a wide range of commercial real estate asset classes. CVCF also has extensive relationships and strategic partners, including private equity funds and institutional lenders, that allow them to competitively consider deals beyond their core size.

CV Capital Funding takes the responsibility to add value and maximize their client’s potential. They take great pride in accepting each project by carefully noting our client’s objectives and expectations so that we may ensure the best service possible.

Loan Types:
Acquisitions
Equity Recapture
Refinance
Renovation

Assets Type:
Condo Inventory, Hotels/Hospitality, Industrial, Luxury Residential Investment Properties, Mixed-Use, Mobile Home Parks, Multifamily, Offices, Parking, Retail, and Storage
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Brookview Financial, Inc.

Brookview is a seasoned boutique private lender providing creative quick-close financing solutions for your real estate projects.
Founded in 1992, they have been the trusted capital partner to thousands of real estate investors nationwide. They offer personal service, flexible terms and creative solutions.

Their direct loans provide acquisition and improvement funding ranging from residential fix & flip to larger commercial bridge projects up to $50 million. They can close as fast 10 days. They are nimble, flexible and exceptionally responsive.

Loan Types:
Fix and Flip
Commercial Bridge
Mezzanine
Construction Discounted Note Purchases
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Liberty SBF

Liberty SBF is a national commercial real estate lender specializing in Conventional and SBA 504 loans for owner-user properties and bridge loans for investors.

Since 2011, Liberty SBF has funded over $2 billion in loans to small and medium businesses as well as commercial property investors. Whether you’re a business owner or broker, they provide low-cost financing to operating businesses for commercial real estate and term loans for working capital.

Up to 90% LTV financing for owner-occupied CRE properties. Quick closings
  • Low-cost financing for small and medium businesses

  • Flexible, custom loan options for specific business cases

  • Fast, transparent and secure online loan application

  • Access to a real human to help you navigate the process

  • Options for multifamily / commercial property investors

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RCN Capital

RCN Capital, LLC was established in 2010 to provide time-sensitive, bridge financing to real estate investors to fund the purchase of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.
Formed towards the end of the recession, RCN Capital has benefited from a turbulent housing market in which many real estate investors see great opportunity. A lack of liquidity in the credit markets and increased regulation of the banking industry has restricted conventional financing as an option for investors in fast-moving and competitive real estate markets.
As the nation’s premier direct private lender, RCN Capital helps fill this void. As a direct, private lender, RCN Capital takes a common-sense approach to underwriting, with all approvals made in-house. They are dedicated to providing quick responses to time-sensitive loans, oftentimes with the ability to close in as few as 10 business days.

At RCN Capital, they value referrals and our brokers are protected. They are committed to the highest level of customer service, because our success lies in building relationships.

Loan Types:
Fix and Flip
Bridge
Rental
'Hard money'

RCN Capital offers simple referral options for brokers.
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iBorrow

iBorrow is a nationwide direct lender that provides bridge loans on all commercial real estate property types to borrowers who are looking for a fast, flexible and reliable financing option. They offer individually structured bridge lending solutions for borrowers of all commercial property types from $2 - $30 million, across the United States.
They are a non-recourse lender, other than for bad-boy and certain other qualifying events.
Quick and Reliable Closing
iBorrow closes deals quickly and reliably within 2-4 weeks, while banks and other traditional lenders average 90 days or longer to close a deal
Flexible Capital
iBorrow works with business owners and real estate operators, who are under-served by traditional financial institutions, to provide unique private financing solutions tailored to individual borrower needs.
Funding Sources
iBorrow manages an investment fund in addition to having a deep and broad pool of institutional capital sources.
Credit / Cash Flow Issues
We fund loans for borrowers with sub-standard credit scores and on pre-cash flow properties. We prioritize the value of borrower’s collateral over credit score and cash flow.
Loan Types
Refinancing, Repositioning, Value-Add
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Knighthead Funding

Knighthead Funding, LLC is a real estate finance company specializing in loans for acquisition, renovation, construction, and refinancing secured by a broad range of real estate assets.
Real estate financing up to $100MM+
TRANSACTION TYPES: Acquisitions, Refinancing, Construction/Rehab, Pre-Development, Value-add/Transitional, Limited or Non-cashflowing, Time Sensitive Closings, Condo Inventory, Bank Turndowns

LOAN-TO-VALUE - Up to 75% of Stabilized Value

INTEREST RATES - Starting at L+3.75, Fixed Rates Available

TERM - Bridge, 3 year and 5 Year Terms Available

CLOSING TIME - 1 to 2 Week Closings Available

COLLATERAL - All types of Real Estate Considered
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Maxim Capital Group

Maxim Capital Group is a leading direct commercial real estate bridge lender. Based in New York, with a nationwide presence, they originate, service, and asset manage event-driven CRE bridge loans. With five discretionary investment vehicles, their investor base includes insurance companies, pension funds, endowments, family offices, and ultrahigh net worth individuals.
With over $2.5B of loans issued since inception, our underwriting is focused on basis, sponsorship, alignment of interest, and capital preservation.

Loan Types:
Value Add
AMOUNT
$10-100 million


LIEN POSITION
First Mortgages


INTEREST RATE
Starting at 5%, Interest-Only


LOAN TO VALUE
65%


TRANSACTION TYPES
Traditional acquisition/recapitalization, performing collateral assignment, value-add repositioning, pre-development, and light transitional business plans.

Bridge Loans
AMOUNT
$2-50 million

LIEN POSITION
First & Second Mortgages and Mezzanine Loans

INTEREST RATE
Starting at 7%, Interest-Only

LOAN TO VALUE
65%

TRANSACTION TYPES
Note/NPL acquisition financing, debtor-in-possession financing, special situations, time sensitive closings, partnership restructuring and ground-up construction.


 
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Ready Capital

Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans.
They specialize in loans backed by commercial real estate, including agency multifamily, investor and bridge as well as SBA 7(a) business loans. 

Ready Capital provides short-term, non-recourse bridge and mezzanine loans nationwide on transitional, value-add and event-driven commercial and multifamily real estate. They lend up to $45 million (larger for select assets and portfolios) for middle-market and institutional commercial real estate sponsors, and larger on a case-by-case basis.

They provide floating and fixed-rate terms to 5 years for:
multifamily, office, retail, industrial, mixed-use, self-storage, student housing, hospitality, residential and commercial condo, and specialty use properties.
They consider the full range of value add strategies and deliver structured finance solutions backed by experienced bridge lending professionals.

Ready Capital offers fixed rate permanent loans to $25 million for multifamily, office, retail mixed use, self-storage, industrial and select other property types.
As a non-bank capital source, they bring speed to the commercial lending process and help borrowers capitalize on more opportunities.

Ready Capital is one of the few non-bank commercial mortgage lenders providing financing nationwide.


Ready Capital is an approved Freddie Mac SBL seller/servicer, providing small balance loans from $1 million up to $7.5 million with both fixed- and hybrid- rate structures.
They provide capital for acquisition, refinancing and cash-out requests, and take pride in delivering quick closings backed by flexibility and common-sense underwriting.