Long Term Financing
Variety: There are many term loans available
Savings: Reduce cost of money with permanent financing
Growth: Long term loans help you expand your footprint and earn more
Long Term Real Estate Loans
Lending Overview
Long-term real estate loans cut the upfront costs of buying properties for your business. They can be used for a variety of investments in commercial property, including buy and hold, and buy and sell strategies. When you’re tired of negotiating lease agreements for your business and want more control over your workspace, get an owner-occupied loan. If you want investment properties that generate steady income, long-term loans provide the rates to allow you to grow equity and cash flow. With terms from 10 to 25 years available, we help you assess your needs and find the right financing.
Alliance Enterprises
How to Effectively Apply Funds
Long-term commercial real estate loans can help you purchase retail, warehouse, office, and mixed-use space as well as multifamily housing. Even if you can afford to pay the full costs of buying real estate right away, a CRE loan protects available capital that you can put toward interest-earning investments. You can choose a long-term loan such as a commercial mortgage or SBA loan or decide to go with a short-term hard money or bridge loan. Use our expertise to find the best deals.
Owner Occupied
An owner-occupied term loan means you’ll be using most of the property’s available space yourself. Owner investment encourages lenders to offer lower rates and better terms than if you were renting the space out to other businesses.
Buy & Hold
The buy and hold strategy can utilize both long and short-term loans. A bridge loan lets you make a cash offer now and replace the loan later with a commercial mortgage. Or, you can get a hard money loan for the initial purchase and use rental income to pay down the loan.
Cash generating properties
Long-term financing provides rates that allow you to generate cash flow through your holdings. Secure strategic locations in up-and coming neighborhoods to become a part of dynamic change. Talk with a broker today.
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FAQ’s
We believe that the more you know, the better the decisions you make. And in the financing world, better decisions mean lower rates, better terms, and increased profitability.
These FAQs are only the start. Our team is here to answer all of your questions and support you in finding the best financing solution for your unique scenario.
Q. What are CRE vs. C&I loans?
CRE loans are commercial real estate loans that help businesses buy property. C&I loans, or Commercial & Industrial loans, are used for working capital or capital expenditures.
Q. What credit score qualifies for a CRE loan?
Requirements vary by lender and loan type, but a good credit score is generally 680 or higher. You may still qualify with a lower score, however, if you’re seeking an asset-based loan like a hard money loan for real estate. Talk with a broker about qualifications and credit repair solutions.
Q. How many years are CRE loans?
CRE loan terms are typically much shorter than residential property loans. The SBA has a maximum of 25 years and short-term CRE financing can have terms of just a few years. Get matched with a loan that meets your terms when you work with a broker.
Q. Do I need collateral for a CRE loan?
Yes and no. Asset-based loans do require an asset to secure the loan. Other loans rely on your credit history to determine eligibility and rates. Find out more by speaking with a CRE loan broker.
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Get Funded
The funding process starts with a short 3 minute online application. Our team will then review your needs and quickly provide you with a custom funding proposal that targets your desired financing types, rates, and terms.