Commercial Real Estate Financing Options
Permanent Financing
Ideal for stabilized income-producing properties. Offers long-term fixed rates and predictable amortization schedules for long-term hold strategies.
Bridge Loans
Short-term Capital solutions for acquisition, renovation, or repositioning. Fast execution to bridge the gap until permanent financing or sale.
Owner-Occupied Loans
Designed for business owners purchasing property for their operations. Leverage SBA 504 or 7a programs for lower down payments and fixed rates.
Basic CRE Financing Requirements
- Minimum Credit Score: 680+Debt Service Coverage Ratio (DSCR): 1.25xLoan-to-Value (LTV): Up to 80%Robust Business History & Cash Flow Capacity
Loan Requirements
Understanding the standard benchmarks for commercial financing ensures a streamlined path to capital for your business properties.
- Minimum Credit Score: Typically 680+ for optimal institutional rates.Debt Service Coverage Ratio (DSCR): 1.25x minimum on income-producing assets.Loan-to-Value (LTV): Generally 65% - 80% depending on asset class and loan type.Financial Documentation: 2-3 years of tax returns and current year-to-date P&L.Experience: Proven track record in property management or business operations.
Ready to Scale Your Portfolio?
Get Expert CRE Financing Tailored to Your Business Goals
Whether you need permanent financing, a flexible bridge loan, or owner-occupied capital, Forge Business Lending delivers institutional-grade debt strategies. Talk with a former bank VP today.
Permanent LoansLong-term stability and fixed rates for stabilized assets.
Bridge FinancingFast, flexible capital for acquisitions and repositioning.
Owner-OccupiedLeverage SBA and conventional debt for your operations.