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.

Apply for Office Financing →

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.

Construction

$65,000,000

Office Building

New York, NY

Construction financing for a Class A office development in Long Island City, Queens, catering to tech and media tenants seeking modern amenity-rich space with Manhattan skyline views and excellent transit access.

Bridge

$42,000,000

Office Building

Washington, DC

Bridge financing for a Class A office repositioning in Washington DC’s East End submarket, targeting government contractors and lobbying firms with a full-building modernization near the Capitol Hill corridor.

Permanent

$23,000,000

Office Building

Pittsburgh, PA

Permanent financing for a tech-oriented office building in Pittsburgh’s Oakland Innovation District, anchored by tenants tied to Carnegie Mellon University’s robotics and AI research ecosystem.

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

$19,500,000

Office Building

Miami, FL

Permanent financing for a Class A office building in the Coral Gables business district, benefiting from Miami’s emergence as a major financial services and tech hub with record-low vacancy rates.

Office Financing by City

Bridgeport-Stamford, CT

Hilton Head Island, SC

Financing Programs

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

Mezzanine & Preferred Equity

HUD/FHA Multifamily Loans

CMT + 190 bps to 7.50%

Construction SOFR plus 250 to 400, Permanent locked at close

Related Insights

Market Insights

Office Investing in Palm Springs: A Complete Guide

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

Trevor DamyanNovember 13, 2027

Market Insights

Office Investing in Santa Cruz: A Complete Guide

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

Trevor DamyanNovember 12, 2027

Market Insights

Office Investing in San Luis Obispo: A Complete Guide

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

Trevor DamyanNovember 11, 2027

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 Commercial Lending Solutions for a free, no-obligation quote on office financing. We respond within 24 hours.

Apply for Financing →

Call: 310.708.0690 Text: 310.758.3064

Office Building Financing

Office Building Financing

Office Subtypes

Financing Options

Office Transactions

Office Financing by City

Financing Programs

Related Insights

Office Investing in Palm Springs: A Complete Guide

Office Investing in Santa Cruz: A Complete Guide

Office Investing in San Luis Obispo: A Complete Guide

Office Financing FAQ

Finance Your Office Property

Weekly Market Intelligence

Before You Go…

Thank You!