Office

Office Building Financing

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.

Get a Office Loan Quote →

Overview

Office Building Financing

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.

Office Subtypes

Class A Trophy Office
Class B Value-Add Office
Creative / Flex Office
Medical & Dental Office
Co-Working & Shared Space
Owner-Occupied Office
Government & GSA-Leased
Suburban Office Campus

Financing Options

Bank Permanent Loans
Life Insurance Company Loans
CMBS
Bridge Loans
SBA 504 / 7(a) (Owner-Occupied)
Construction

Track Record

Office Transactions

A selection of office deals we have closed nationwide.

Permanent

$22,500,000

Life Sciences R&D

Boston, MA

Permanent financing for a Class A life sciences and R&D facility in the Greater Boston market, one of the nation's most competitive lab and biotech corridors along Route 128.

Permanent

$19,500,000

Office

Los Angeles, CA

Class A office building refinancing in a premier Los Angeles submarket with strong institutional tenancy.

Permanent

$11,500,000

Creative Office

Los Angeles, CA

Creative office campus refinancing in the media-centric Cahuenga Pass area, attracting entertainment and tech tenants.

Permanent

$11,000,000

Commercial Condominiums

Los Angeles, CA

Commercial condominium portfolio financing for a multi-tenant complex near the Pico-Robertson neighborhood.

Permanent

$10,500,000

Office Campus

Minneapolis, MN

Permanent financing for a suburban office campus in the Twin Cities metro, occupied by corporate tenants in healthcare, financial services, and technology sectors supporting Minnesota's 16 Fortune 500 headquarters.

Permanent

$9,200,000

Medical Office

Baltimore, MD

Permanent financing for a medical office building in the Baltimore metro anchored by healthcare tenants affiliated with the Johns Hopkins and University of Maryland medical systems.

Office Financing by City

Financing Programs

Office properties qualify for a variety of commercial loan programs. Explore your options.

Mezzanine & Preferred Equity

10% - 18%

Specialty Financing

5.54% - 13.04%

Related Insights

Industry News

Office-to-Residential Conversions: Financing the Trend

Converting obsolete office buildings into residential units has become one of the most discussed trends in CRE. Here is how these projects get financed and what lenders actually want to see.

Trevor DamyanJanuary 19, 2026

Market Insights

Office Investing in Boston: A Complete Guide

A comprehensive guide to office investing in Boston, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.

Trevor DamyanDecember 30, 2025

Market Insights

Office Investing in Charlotte: A Complete Guide

A comprehensive guide to office investing in Charlotte, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.

Trevor DamyanDecember 29, 2025

FAQ

Office Financing FAQ

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.

Finance Your Office Property

Contact CLS CRE for a free, no-obligation quote on office financing. We respond within 24 hours.

Request a Quote →

Or call us: 310.758.4042