Underwrite the opportunity
We review property performance, sponsorship, business plan, and financing priorities.
Office capital
Office Building Financing
Quick answer: Office property financing serves Class A through C buildings, from single-tenant headquarters to multi-tenant towers. While the office sector has faced headwinds from remote work trends, well-located assets with strong tenancy continue to attract competitive financing from banks, life insurance companies, and CMBS lenders.
NationwideMarket coverage
1,000+Capital relationships
$2MM+CLS engagement floor
24 hoursInitial response
Property fit
Financing office assets.
Office financing underwriting focuses heavily on tenant quality, lease rollover risk, and market fundamentals. Properties with long-term leases to creditworthy tenants and located in strong submarkets with low vacancy continue to access favorable terms. CLS CRE helps office investors navigate the current lending landscape to secure optimal financing, whether for stabilized holdings, value-add repositioning, or owner-occupied acquisitions.
Underwriting starts with the asset: income durability, tenancy or operations, physical condition, market position, sponsorship, and the proposed business plan shape the lender universe.
01
Class A Trophy Office
02
Class B Value-Add Office
03
Creative / Flex Office
04
Medical & Dental Office
05
Co-Working & Shared Space
06
Owner-Occupied Office
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Government & GSA-Leased
08
Suburban Office Campus
Capital options
How we approach office financing.
We match the property, sponsorship, and business plan to lenders with current appetite, then compare proceeds, pricing, recourse, reserves, prepayment, and closing certainty.
| Financing path | Where it may fit |
|---|---|
| Bank Permanent Loans | Relationship-oriented capital that can offer local market knowledge and structural flexibility, with recourse often considered. |
| Life Insurance Company Loans | Long-duration fixed-rate capital for high-quality assets and experienced sponsors, generally with conservative leverage. |
| CMBS | Non-recourse execution with broad property appetite, balanced against more standardized servicing and prepayment provisions. |
| Bridge Loans | Flexible short-term capital for acquisition, lease-up, renovation, repositioning, or other transitional business plans before stabilization or sale. |
| Government-supported owner-occupied financing with program-specific eligibility, occupancy, and documentation standards. | |
| Construction | Draw-based financing for ground-up development, major renovation, or conversion, sized to budget, schedule, sponsorship, and the planned permanent exit. |
How we work
One process. Multiple capital sources.
The objective is not simply to find a lender. It is to create a credible, comparable set of financing choices around the transaction.
Property-level insight and lender appetite have to meet before pricing becomes meaningful.
Target active lender desks
The request is matched to capital sources that understand the asset and market.
Compare complete proposals
Rate, proceeds, recourse, reserves, prepayment, and execution risk are evaluated together.
Manage the closing
We coordinate lender diligence, third-party reports, documentation, and issue resolution through funding.
Selected closings
Office financing in practice.
National reach
Market knowledge where the asset requires it.
We arrange office financing nationwide while accounting for local property fundamentals and lender appetite.
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
Office financing, clarified.
The final structure depends on the property, sponsor, market, and requested execution.
Sizing your equity? See the down payment guide for commercial property: typically 20% to 30% down, with SBA owner occupied from 10%.
Yes. While office lending has tightened since the pandemic, well-located office properties with strong tenancy, long-term leases, and low vacancy continue to attract financing from banks, life companies, and CMBS lenders. The key is demonstrating stable cash flow and tenant quality.
Office building loan rates range from 5.75% to 8.50% for permanent financing, depending on property quality, tenancy, and market. Class A office in strong submarkets commands better terms than Class B/C in weaker markets.
Key challenges include remote work uncertainty, higher vacancy rates in many markets, tenant downsizing trends, and increased lender scrutiny of lease rollover risk. Properties with long-term leases to creditworthy tenants in strong submarkets remain financeable.
Yes. SBA 504 and 7(a) loans are excellent options for businesses purchasing their own office space. With up to 90% financing and below-market rates, SBA programs are ideal for professional service firms, medical practices, and other owner-occupiers.
Medical office is underwritten more favorably than general office due to higher tenant stickiness (practices invest heavily in buildout), longer lease terms, and recession-resistant demand. Lenders may offer higher LTV and lower rates for medical office compared to general office.
Let's evaluate your office financing request.
Share the property and transaction. We will respond within 24 hours with an initial view.