Office Building Loans | $1M to $100M+ | Commercial Lending Solutions

The Best Office Financing, Tailored to Your Deal

The office market is evolving, and so is office financing. Whether you own a well-leased Class A tower, a suburban medical office building, or an office property ripe for conversion, Commercial Lending Solutions connects you with lenders who understand today's office market dynamics and can structure the right financing for your specific situation.

As a commercial mortgage broker with access to over 1,000 lenders, including life insurance companies, banks, credit unions, CMBS conduits, and bridge lenders, we present your deal to multiple capital sources simultaneously and negotiate the best terms on your behalf.

Office Loan Programs

Program	Rate	Term	LTV
Life Company	6.00%, 6.50%	7-25 yr	Up to 60%
Bank / Credit Union	6.25%, 7.25%	5-10 yr	Up to 70%
CMBS	6.50%, 7.50%	5-10 yr	Up to 65%
Bridge	8.00%, 10.50%	12-36 mo	Up to 70%

Rates shown are approximate ranges as of Q1 2026 and vary by property class, occupancy, location, borrower strength, and market conditions.

Common Office Use Cases

Acquisition

Financing for purchasing office buildings and office parks. We match your deal with the best acquisition loan program based on tenant quality, occupancy level, building class, and your investment strategy.

Refinance

Lower your rate, extend your term, or restructure your office property debt. Take advantage of competitive permanent rates for well-leased properties to optimize your capital structure.

Lease-Up Bridge

Bridge financing for office buildings in lease-up mode. Short-term capital to cover the stabilization period while you fill vacancies and build NOI, with a clear refinance exit into a permanent loan.

Conversion (Office-to-Residential)

Financing for converting underperforming office buildings to residential use. Bridge and construction loan programs for adaptive reuse projects that transform obsolete office space into in-demand housing.

Property Types We Finance

Class A office towers
Class B suburban office buildings
Medical office buildings (MOB)
Creative & flex office space
Single-tenant office buildings
Office parks & campuses
Government-leased office buildings
Owner-occupied office (SBA eligible)

Why Use an Office Loan Broker?

Office lending has become more selective in recent years, making it critical to work with a broker who knows which lenders are actively financing office properties and at what terms. Going directly to one lender means you get one set of terms, and that lender may not even be active in office. Working with Commercial Lending Solutions, your deal reaches the lenders who want office deals today.

Access to 1,000+ lenders, including those actively lending on office properties
One application, multiple competing term sheets
We negotiate on your behalf, rate, fees, prepayment flexibility, interest-only periods, and TI/LC reserves
Dedicated broker managing your deal from application through funding
No upfront fees, we only get paid when your loan closes

Prefer to talk? Call the broker directly.

310.708.0690

Trevor Damyan · Mon-Fri 9am-5pm PT

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FAQ

Office Loan Questions

The office lending landscape has shifted significantly since 2020. Many traditional lenders have reduced their office exposure or become more selective. However, well-leased office buildings with strong tenant credit, long remaining lease terms, and prime locations continue to attract competitive financing. Lenders now place greater emphasis on tenant quality over quantity, weighted average lease term (WALT), and the building's adaptability to modern work patterns. Class A properties with amenities and medical office buildings have fared best. Commercial Lending Solutions maintains relationships with lenders who remain active in office lending and understands which capital sources are best suited for different office property profiles.

Medical office buildings are one of the strongest-performing segments of the office market and attract favorable financing terms. MOBs benefit from: healthcare tenants who need physical space (telehealth hasn't replaced in-person care), long lease terms (medical buildouts are expensive, so tenants stay), recession-resistant demand, and growing healthcare spending driven by aging demographics. Lenders view MOBs as lower risk than traditional office, often offering higher LTVs, lower rates, and longer terms. Properties near hospitals or healthcare campuses are especially favored. Life companies and banks actively compete for MOB financing, often at terms comparable to multifamily or industrial properties.

Lease-up bridge loans provide short-term capital for office buildings that are below stabilized occupancy, typically under 80-85% leased. These loans are structured for 12-36 months with extension options, giving you time to execute your leasing strategy. Bridge lenders evaluate the property's market fundamentals, your leasing pipeline, and the realistic timeline to stabilization. Interest rates are higher than permanent loans (typically 8-10.5%) but the loan provides the time and capital needed to fill vacancies, complete tenant improvements, and build NOI to qualify for permanent financing. Some bridge lenders also provide tenant improvement and leasing commission reserves within the loan. Commercial Lending Solutions matches office lease-up deals with bridge lenders who understand the asset class.

Yes. Office-to-residential conversion is one of the most active areas of adaptive reuse financing. Financing typically involves a bridge or construction loan to fund the conversion, followed by a permanent loan once the residential units are stabilized. Key factors lenders evaluate include: zoning and entitlement status, structural feasibility of the conversion (floor plate depth, window access, plumbing pathways), construction budget and timeline, and the residential market demand in the area. Many cities now offer tax incentives, zoning variances, and expedited permitting for office-to-residential conversions. Commercial Lending Solutions works with construction lenders, bridge lenders, and agency lenders (for the permanent takeout) to structure the full capital stack for conversion projects.

Important Loan Disclosures

Representative Example: A $10,000,000 office building loan at a 6.50% fixed rate with a 10-year term and 25-year amortization would have an estimated monthly principal and interest payment of approximately $67,500. Total amount repayable over the 10-year term: approximately $8,100,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Office loan rates currently range from approximately 6.00% to 8.00%, depending on program type (life company, bank, CMBS, bridge), building class, occupancy, location, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Office loan terms range from 5 to 25 years with bank, life company, CMBS, and bridge execution available. Non-recourse financing available for qualifying properties and borrowers. Prepayment penalties (yield maintenance, defeasance, or step-down) may apply depending on the program.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, changing workplace trends, remote work impacts, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Office Building Loans: $1M-$50M | Class A, B & Medical