Underwrite the opportunity
We review sponsorship, property performance, business plan, and priorities before approaching the market.
Commercial Mortgage financing
Commercial Mortgage Loans from $2MM to $100MM+
Quick answer: Commercial mortgage loans finance the purchase, refinance, or recapitalization of income producing commercial real estate. Commercial Lending Solutions arranges commercial mortgages from $2 million to over $100 million through 1,000+ lender relationships, spanning banks, life insurance companies, CMBS conduits, agency lenders, debt funds, and private capital. The right commercial mortgage depends on property type, hold strategy, leverage needs, and timeline, and matching a deal to the right lender is where a broker earns their fee.
NationwideMarket coverage
1,000+Capital relationships
$2MM+CLS engagement floor
24 hoursInitial response
When it fits
When Commercial Mortgage financing fits.
A commercial mortgage broker adds the most value at the point of lender selection. Banks, life insurance companies, CMBS conduits, agency lenders (Fannie Mae and Freddie Mac), debt funds, and private lenders each price risk differently, and the same property can see a 200 to 300 basis point spread in quoted rates depending on which lender type is approached first. Commercial Lending Solutions runs every eligible commercial mortgage through multiple capital sources simultaneously, using our CBRE and MMCC trained underwriting background to package deals so lenders see the strongest possible story from the first submission. This hub page is the starting point for every commercial mortgage program we arrange nationwide: permanent, bridge, construction, CMBS, agency, life company, and specialty structures for multifamily, industrial, retail, office, hospitality, and mixed-use assets.
Structure before pricing: leverage, recourse, reserves, prepayment, and closing certainty can matter as much as the headline coupon. We test those trade-offs before recommending a path.
01
Stabilized multifamily, industrial, retail, and office acquisitions
02
Refinance of maturing commercial mortgage debt
03
Cash-out recapitalizations and partner buyouts
04
Value-add and transitional properties needing bridge to permanent execution
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Ground-up construction and construction-to-permanent financing
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Portfolio and multi-property commercial mortgage financing
Lender selection
How We Source Commercial Mortgage Capital
We do not treat the lender list as a directory. We target the desks whose current appetite fits the asset, sponsorship, market, and business plan, then compare the full execution, not only the rate.
| Capital source | Where it may fit |
|---|---|
| Banks and Credit Unions | Relationship-oriented capital that can offer local market knowledge and structural flexibility, with recourse often considered. |
| Life Insurance Companies | Long-duration fixed-rate capital for high-quality assets and experienced sponsors, generally with conservative leverage. |
| CMBS Conduits | Non-recourse execution with broad property appetite, balanced against more standardized servicing and prepayment provisions. |
| Fannie Mae / Freddie Mac | Programmatic multifamily or housing capital with defined underwriting, documentation, and eligibility requirements. |
| Debt Funds | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
| Private Lenders | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
How we work
One process. Multiple capital sources.
We position the transaction, identify the lenders most likely to compete, and compare proposals on economics and execution risk, not just headline rate.
A well-structured financing process should create real choices for the borrower, not simply deliver the first term sheet.
Target the right lender desks
The transaction is matched to lenders whose current appetite fits the property, market, and structure.
Create a comparable field
Proposals are evaluated across rate, proceeds, recourse, reserves, prepayment, and closing certainty.
Manage execution through closing
We coordinate lender diligence, third-party reports, and issue resolution until the loan funds.
National reach
Market knowledge where the deal requires it.
We arrange commercial mortgage financing nationwide while matching each transaction to capital sources active in that market and property type.
Atlanta, GABoston, MAChicago, ILDallas, TXDenver, COHouston, TXLos Angeles, CAMiami, FLNashville, TNNew York, NYPhoenix, AZSan Diego, CASan Francisco, CASeattle, WATampa, FL
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Questions
Commercial Mortgage financing, clarified.
The final structure depends on the asset, sponsorship, and market. These are the starting parameters we discuss most often.
Working out equity? Our commercial property down payment guide covers typical requirements by loan type: 20% to 30% conventional, 10% for SBA owner occupied.
A commercial mortgage loan is debt secured by income-producing commercial real estate, used to purchase, refinance, or recapitalize the asset. Unlike a residential mortgage, it is underwritten primarily on the property's net operating income and the sponsor's track record rather than personal income. Loan sizes generally run from $2 million to over $100 million.
Commercial mortgage rates currently range from 5.00% to 13.04%, and the spread is driven mostly by lender type. Life insurance companies and agency lenders price at the low end for stabilized, low-leverage assets, banks and CMBS conduits sit in the middle, and debt funds and private lenders occupy the top of the range for transitional or higher-leverage deals.
Leverage reaches up to 85% of value or cost, though most stabilized executions land between 60% and 75% LTV depending on lender type and debt service coverage. Loan amounts run from $2 million to over $100 million, with terms of 1 to 30 years and fixed, floating, or interest-only structures available.
Underwriting centers on the trailing twelve months of operating income, the rent roll and lease rollover schedule, debt service coverage (usually a 1.20x to 1.25x minimum), and the sponsor's net worth, liquidity, and experience with the asset type. Third-party appraisal, environmental, and property condition reports are standard. Most permanent executions close in 45 to 90 days.
Because each capital source prices risk differently, the same property can draw quotes 200 to 300 basis points apart depending on which lender type is approached first. A life insurance company, a bank, a CMBS conduit, and a debt fund will each read the same rent roll and reach a different conclusion. Commercial Lending Solutions runs eligible deals to multiple sources simultaneously.
Let's evaluate the right commercial mortgage structure.
Share the property and financing request. We will respond within 24 hours with an initial view.