Commercial Real Estate Financing

Office Property Financing for CRE Investors and Operators

Structured debt solutions for stabilized and transitional office buildings, professional office suites, and medical office properties. Programs available for acquisition, bridge, recapitalization, and value-add repositioning of income-producing office assets.

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Loan Size

$500K – $10M

LTV

Up to 65–70%

Min. DSCR

Typically 1.25x+

Term

Bridge: 12–36 Mo / Perm: 3–10 Yr

Office Type

General, Medical, Professional

Purpose

Acquisition, Bridge, Refi

Eligible Property Types

  • Multi-tenant suburban office buildings
  • Single-tenant or owner-occupied office (investment use)
  • Medical office buildings and healthcare professional space
  • Professional office condominiums
  • Boutique urban office with stable tenancy
  • Transitional office under repositioning or lease-up

Common Use Cases

  • Acquisition of stabilized suburban or medical office with in-place tenancy
  • Bridge financing for office properties in transition or partial vacancy
  • 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)

Frequently Asked Questions

Is office still a viable collateral type for commercial real estate loans?

Stabilized, well-located office with quality tenancy and strong lease coverage continues to be eligible collateral. Medical office and suburban professional office have shown resilience. Underwriting is conservative on transitional office and markets with significant new supply or elevated vacancy.

What LTV is available for office building loans?

Office properties are typically underwritten to lower LTV levels than multifamily or industrial, reflecting higher collateral risk. Stabilized office with strong lease coverage may qualify for up to 65–70% LTV. Transitional office is typically financed through bridge programs at lower leverage.

Are medical office buildings eligible?

Yes. Medical office is a preferred office asset class given its more stable demand profile. Properties with strong healthcare tenancy and long remaining lease terms are eligible for bridge and term programs.

Request Preliminary Terms

Submit your loan request summary and a member of our originations team will follow up to discuss preliminary terms.

Submit a Loan Request Contact Originations

Eligible Markets

Lending is limited to the Top 200 U.S. MSAs. Rural and low-population markets are not eligible.

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Related Programs

Retail Property Financing Industrial Property Financing Mixed-Use Financing Bridge Loans

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.

Step 01

Submit Loan Request Summary

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

Step 02

Preliminary Review

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

Step 03

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.

Submit a Loan Request