Conventional
Commercial Bank Loans

Competitive Financing for Stabilized Commercial Real Estate

When the property and borrower qualify, conventional bank financing can provide some of the most attractive rates and terms available in commercial real estate.

1st Coastal Commercial Capital works with banks and commercial lending sources nationwide to help borrowers identify competitive financing based on the property, cash flow, sponsorship, loan purpose and overall transaction.

Access to Multiple Banks.

Better Financing for You.

Discuss Your
Commercial Loan

Why Consider Conventional Bank Financing?

For strong borrowers and stabilized properties, conventional commercial mortgages can offer significant advantages.

Competitive Interest Rates

Bank financing can provide attractive pricing for qualifying commercial real estate transactions.

Longer-Term Financing

A variety of maturities and amortization schedules may be available depending on the lender, property and transaction.

Purchase Financing

Finance the acquisition of stabilized investment or owner-occupied commercial real estate.

Rate & Term Refinancing

Replace existing commercial mortgage debt with a new financing structure.

Cash-Out Refinancing

Qualified borrowers may be able to access equity for eligible business or investment purposes.

Flexible Loan Structures

Fixed-rate, floating-rate and other structures may be available depending on lender appetite and borrower requirements.

Commercial Property Types We Finance

Multifamily
Mixed-Use
Retail
Office
Industrial
Warehouse
Self-Storage
Medical
Owner-Occupied Real Estate
Mobile Home Communities
RV Parks & Campgrounds
NNN / Single-Tenant
Other Commercial Properties

What Do Commercial Banks Look For?

Strong Property. Strong Borrower. Strong Cash Flow.

Conventional lenders typically evaluate:

The strongest transactions typically demonstrate stable cash flow, reasonable leverage and experienced ownership.

Investment Property Financing

Financing Built Around the Property's Economics

Potential transactions include:

Owner-Occupied
Commercial Real Estate

Finance the Property Where You Do Business

Conventional bank financing can be an attractive option for business owners acquiring or refinancing the commercial property they occupy.
Potential property types include:

Office
Medical / Dental
Industrial
Warehouse
Retail
Automotive
Professional Services
Manufacturing
Other Owner-Occupied Commercial Properties

For qualifying businesses, we can also evaluate whether SBA 7(a) or SBA 504 financing may provide a better alternative.

One Bank May Say No.
Another May Want the Deal.

Commercial banks do not all have the same:

That's Why Access to Multiple Capital Sources Matters.

Instead of approaching banks one at a time, let 1st Coastal Commercial Capital help identify lenders whose current criteria align with your transaction.

Conventional vs. Agency vs. CMBS vs. Private Capital

Find the Right Execution for the Deal

Conventional Bank

Competitive Pricing
Relationship Driven

Ideal for many stabilized commercial properties and financially strong borrowers.

Agency

Multifamily-Focused Institutional Financing

Fannie Mae and Freddie Mac programs for qualifying multifamily properties.

CMBS

Non-Recourse Capital Markets Financing

An alternative for qualifying stabilized commercial real estate.

Private Credit / Bridge

Maximum Flexibility

For transitional, time-sensitive or more complex transactions that don’t fit conventional bank guidelines.

We'll Help You Compare the Options.

Don't Choose a Commercial Mortgage on Rate Alone.

The lowest advertised rate isn't necessarily the best financing.

A commercial loan should be evaluated based on:

Interest Rate
Loan Proceeds
Term
Amortization
Recourse
Prepayment
Closing Costs
Covenants
Personal Guarantees
Future Flexibility

Our objective is to help find the right combination of rate, proceeds and terms for your transaction.

Have a Commercial Mortgage Deal? Send It to Us.

Give us the basics and we’ll evaluate potential conventional bank and alternative financing options.

Loan Amount

$250,000 to
$250,000,000+

Loan Purpose

Purchase
Refinance
Cash-Out

Property Types

Commercial
Real Estate

Geography

Nationwide

Looking for Competitive
Bank Financing?

Direct

Nationwide

We Finance Nationwide