$10 Million Commercial Loans

At the $10 million level, the full commercial lending market opens up. Life insurance companies, CMBS conduits, and agency lenders join regional banks in competing for your deal. This is the inflection point where institutional-quality financing becomes available — meaning lower rates, longer terms, and non-recourse options that smaller loans rarely access.

5.50% – 7.75%
Rate Range
60% – 75%
Typical LTV
5 – 10 years
Loan Terms
20
Deals Closed

Current $10 Million Loan Terms

Terms vary by property type, location, and borrower strength. Below are typical ranges for $10 million commercial mortgages in today’s market.

Interest Rate5.50% – 7.75%Varies by loan type and property
Loan-to-Value60% – 75%Higher LTV available with SBA/agency
Loan Term5 – 10 yearsAmortization up to 30 years
Best Lender TypesLife insurance companies, regional banks, CMBS conduits, debt funds, agency lenders

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$10 Million Deals We’ve Closed

We’ve closed 20 transactions in this range across multiple property types and markets. Here are some recent examples:

Construction
$15M
Multi-Tenant Retail
Palm Springs, CA
New multi-tenant retail center construction.
Permanent
$14.5M
Industrial Truck Terminal
Philadelphia, PA
Logistics facility financing in the Philadelphia distribution corridor.
Bridge
$14.2M
Value-Add Multifamily
Los Angeles, CA
Bridge financing for multifamily value-add renovation.
Bridge
$14M
Unentitled Land
Downtown Los Angeles, CA
Land bridge loan during entitlement and planning process.
Permanent
$13.6M
Retail Shopping Center
Simi Valley, CA
Grocery-anchored retail center refinancing with strong occupancy.
Permanent
$13.4M
Multifamily Mobile Homes
Seattle, WA
Manufactured housing community providing affordable workforce housing.
Permanent
$12.5M
Mixed Use Portfolio
Los Angeles, CA
Mixed-use portfolio spanning residential and commercial assets.
Permanent
$12.4M
Industrial Showroom
Dallas, TX
Industrial showroom and flex space in the Dallas-Fort Worth metroplex.

Property Types at $10 Million

Our $10 million loan experience spans every major commercial property type:

  • Industrial — 3 deals, $38.9M total
  • Mixed Use — 1 deal, $12.5M total
  • Multifamily — 6 deals, $69.8M total
  • Office — 3 deals, $28.3M total
  • Other — 4 deals, $45.5M total
  • Retail — 2 deals, $28.6M total
  • Specialty — 1 deal, $8M total

Every property type has different lender preferences and underwriting criteria at the $10 million level. We know which lenders are most aggressive for each product type and market — that’s the advantage of working with a broker who accesses the entire capital market.

Why Use a Broker for a $10 Million Loan?

At the $10 million level, the difference between working with one bank and running a competitive process across the capital markets can mean hundreds of thousands of dollars in savings over the life of the loan.

  • Access: We maintain relationships with 1,000+ lenders — banks, life companies, CMBS, agency, and debt funds. Your deal goes to the 3–5 best-fit lenders simultaneously.
  • Pricing: Competition among lenders drives rates 25–75 basis points below what you’d get walking into a single bank.
  • Structure: We negotiate non-recourse, interest-only periods, flexible prepayment, and other terms that protect your equity.
  • Speed: We know which lenders can close on your timeline and which will drag. That saves you weeks and keeps your deal on track.
  • No cost to you up front: We’re compensated at closing. If we don’t close your loan, you don’t pay.

Ready to Finance Your $10 Million Deal?

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Or call directly: 310.708.0690