Commercial mortgage loans may provide financing for businesses and investors purchasing or refinancing eligible commercial real estate. Loan structure, documentation, qualification, and underwriting requirements vary by property, transaction, borrower, lender, and program.
Commercial financing options for owner-occupied and investment properties, subject to property, borrower, lender, and program requirements.
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.
Documentation requirements vary by transaction and lender and may include business financial information, income or cash-flow documentation, entity documents, property information, purchase or refinance documents, and appraisal-related materials. Sensitive financial documents should be submitted only through an approved secure process.
Commercial loan amounts, repayment structures, rates, fees, and other transaction costs vary by property, loan purpose, borrower qualifications, lender, and program.
Certain SBA-related financing programs may be available for eligible owner-occupied business properties, subject to applicable SBA, lender, borrower, property, and transaction requirements.
Loans by Kelly helps businesses and real estate investors explore commercial financing options based on property type, transaction goals, borrower profile, and available lender programs. Requirements vary by lender and transaction. Support is available in English, Portuguese, and Spanish.
3 Simple Steps to Start Your Mortgage Review
We begin with a conversation to understand your home financing goals and general mortgage needs.
We review mortgage options based on your goals, property type, occupancy, documentation profile, and applicable lender guidelines.
Submit a secure application to begin the mortgage review process. Any preapproval requires applicable documentation and underwriting review.
