How to Finance a Multi-Tenant Commercial Building: Complete Guide

Downtown skyscrapers surrounding a cloud-filled sky for How to Finance a Multi-Tenant Commercial Building: Complete Guide

We recommend financing multi-tenant commercial buildings through conventional commercial mortgages, SBA 504 loans, CMBS loans, or bridge financing. Lenders evaluate property net operating income (NOI), debt service coverage ratio (DSCR), occupancy rates, and tenant lease terms.

SBA 7(a) vs. 504 Loan for Owner-Occupied Commercial Real Estate

Urban mixed-use buildings with brick and glass facades for SBA 7(a) vs. 504 Loan for Owner-Occupied Commercial Real Estate

For owner-occupied commercial real estate, we recommend SBA 504 loans for larger projects seeking long-term, fixed-rate financing up to 25 years. SBA 7(a) loans offer greater versatility, combining real estate, working capital, and equipment with shorter prepayment penalties.