Commercial mortgage loans provide financing for businesses and investors acquiring or refinancing income-producing or owner-occupied commercial properties. These loans are structured based on cash flow, property performance, and borrower profile.
Flexible structures • SBA & private options • Scalable financing
A commercial mortgage is financing used to purchase, refinance, or reposition commercial real estate. Unlike residential loans, qualification is driven primarily by property income, business financials, and risk profile.
Common property types include:
Commercial financing supports both business operations and investment strategies.
Used when the borrower’s business operates from the property. Qualification focuses on business financials, occupancy requirements, and operational stability.
Used for properties leased to tenants or held as income-generating assets. Qualification emphasizes rental income, DSCR, and property performance.
While structures vary, borrowers can generally expect:
Interest-only periods and flexible repayment schedules may be available for certain properties.
SBA 504 loans are designed for eligible owner-occupied businesses seeking long-term, fixed-rate financing with lower down payments.
Key features may include:
We also support SBA refinance strategies when eligible.
At Loans by Kelly, we structure commercial financing based on your business model, property type, and growth strategy. We offer access to SBA programs and private commercial lenders, with guidance every step of the way.
Service available in English, Portuguese, and Spanish.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
