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Commercial Real Estate Financing

Office Property Financing for CRE Investors and Operators

Financing for office buildings, professional office suites, medical office and owner-occupied commercial office. Stabilized office uses the Commercial Permanent program. Transitional office is reviewed case by case.

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Program at a glance

Purchase / Rate-and-Term Loan Amount
$100,000 to $5,000,000
Cash-Out Max Loan
$5 million
Occupancy
Occupied commercial real estate only
Rate
Set per deal; rates are not published
Max LTV
Up to 75%
Minimum DSCR
1.15x
Term
5-30 years
Amortization
Up to 30 years
Minimum FICO
680
Office Type
General, Medical, Professional
Purpose
Acquisition, Rate & Term, Cash-Out

Commercial Real Estate Financing

Program Details

Available in 48 states; eligibility is confirmed per deal.

Loan size
Purchase and rate-and-term refinance: $100,000 to $5,000,000. Commercial cash-out: up to $5 million. Subject to underwriting.
Closing
Closing in as little as 30 days

Eligible Property Types

  • Multi-tenant suburban office buildings
  • Single-tenant office
  • Owner-occupied commercial office (eligible)
  • Medical office buildings and healthcare professional space
  • Professional office condominiums
  • Boutique urban office with stable tenancy
  • Office under repositioning or lease-up (reviewed case by case)

Common Use Cases

  • Acquisition of stabilized suburban or medical office with in-place tenancy
  • Office properties in transition or partial vacancy, reviewed case by case
  • Refinance of maturing commercial mortgage on office assets
  • Cash-out recapitalization of equity from stabilized office
  • Medical office acquisition for healthcare investors
  • Repositioning of lower-occupancy office with a lease-up plan

Typical Borrower Profile

  • Commercial real estate investors with office property experience
  • Medical office specialists and healthcare real estate investors
  • Operators of suburban multi-tenant office with a management platform
  • Value-add CRE sponsors repositioning transitional office assets

Required Documentation

  • Current rent roll with tenant names, lease terms, and base rents
  • Trailing 12-month operating statement
  • Executed leases for major tenants
  • Borrower/sponsor background and entity documents
  • Property appraisal or recent market valuation
  • Capital improvement plan (for value-add transactions)
$100,000 to $5,000,000. Purchase and rate-and-term refinance only; commercial cash-out is capped at $5 million.

How the Preliminary Term Process Works

Programs are available for qualified sponsors, developers, brokers, and real estate investors. Preliminary terms are subject to underwriting, valuation, market conditions, borrower qualifications, collateral review, and final credit approval.

  1. Submit Loan Request Summary

    Provide property address, loan amount requested, use of proceeds, and sponsor information through our secure loan request submission portal.

  2. Preliminary Review

    Our originations team reviews the submission and responds with a preliminary indication of interest and any additional information needed.

  3. Term Sheet Issuance

    If the loan request meets our program criteria, we issue a preliminary term sheet outlining structure, pricing, and conditions for formal underwriting.
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Frequently Asked Questions

Related Programs

Request Financing

Submit your loan request summary and a member of our originations team will follow up to discuss preliminary terms.
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.