Commercial Real Estate

Is commercial real estate or commercial property the next step in your strategic plan? Whitmire Financial will help you find the right funding to meet your goals. From hotels and apartment complexes to office plazas to retail shops, manufacturing facilities, and distribution centers, whether you are an owner/operator or are leasing to tenants, we will match you with the right funds.

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What is a Commercial Real Estate Loan?

Real estate loans provide businesses with the means to add real estate to their asset portfolios. Even business owners who can afford to pay cash for new property utilize real estate loans instead. That’s because there are often tax advantages and other benefits of borrowing. Real-estate loans can help build positive credit and refinancing frees up cash to use elsewhere in the business.

Not all businesses are the same, which is why not all real estate loans are the same. If your business needs long-term real estate financing, our team can match you with the right loan. If you need short-term solutions, we can offer those too. We have years of experience building relationships with real estate lenders who are experts in their local markets. This allows us to offer deals you can’t find anywhere else. Tell us about your business’s real estate goals today.

Purchase

We know the value of acting quickly, optimizing your borrowing through the right rates, and accessing the right locations to position yourself for convenience where your target audience already wants to be. Our Commercial Real Estate network include SBA approved lenders for low interest and manageable monthly payments. We are connected to the right Hard Money lenders to allow you to turn on a dime when the right location becomes available. We have the flexible options to match you with the right lender and the right terms.

In addition to acquisition, we assist businesses with the following Commercial Real Estate Financial instruments:

Refinance

Reduce rates, consolidate multiple loans within a single payment and even receive cash to improve your property. Many businesses are paying on old loans acquired before stabilizing their business activities. Just a history of on-time payment over several years can make you eligible for rates that can save you money. Additionally, appreciation of your property can give you more equity, which can provide you more options for financing.

Reduce monthly loan payments, decrease cost of funds, and or reduce your interest rates and grow.

Construction

Develop land and build from the ground up. Whether you manage hotels, apartment complexes or convenience centers, or you are a developer, business or corporation designing your headquarters, manufacturing and service facilities to meet the needs of your business can save time and provide you a competitive advantage over renting.

Build multifamily properties to sell or to manage. Construction loans provide options, depending on your exit strategy. Close out the loan and sell the property immediately upon completion, or roll the property into permanent financing with a term to perm construction loan.

Cash Out Equity

Businesses that have high equity but that are cash poor can open up working capital through a variety of equity based loans. From short term hard money to long term options, leverage property to move at the speed of business. Consider an asset based working line of credit for revolving cash needs over a long period of time.

Office Buildings

Hotels

Apartments

Industrial

Warehouse

Multi-family Properites

Advantages of Commercial Real Estate Loans

Loans can be secured by the property being financed.
Refinance current loans for a lower interest rate.
Short and long-term options available.
Get loans designed especially for small businesses.

Frequently Asked Questions

When is a Commercial Real Estate Loan not a good fit?

It’s important with any loan to evaluate your ability to make payments on time before you take on debt. If your business struggles with working capital or seasonal revenue cycles, we can help you address these issues with a range of financial options.

What are investment properties?

Investment properties generate income for business owners. Hotels, apartments, office buildings, and retail centers provide income from tenants, which can then be applied to loan payments.

What is an owner-operated property?

Business owners who purchase real estate for their own operations are considered owner-operators. Warehouses, manufacturing facilities, and office spaces are a few examples of owner-operated properties. Low-interest SBA loans allow owner-operators to rent out up to 49% of their building and retain the benefits of an owner-operator loan.

Where can I find the best real estate loans?

If you’re looking for a lender who knows your market and has fair rates, you’ve come to the right place. Leverage our extensive lender network to get the best available rates on real estate loans.