Commercial Real Estate Loans

Personalized Service for You.

At ABNB we want a relationship with you. It’s who we are. You’ll talk with someone that’s a local lending expert, who knows our region inside and out. Our rates are more affordable, and you’ll receive a level of personalized service you won’t get anywhere else.

Key Features

  • Competitive Rates
  • Terms Tailored to You
  • No Prepayment Penalties
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Commercial Real Estate loans are used to buy real estate packages and commercial properties (i.e. offices or storefronts) for businesses. They’re available for owner-occupied and investment properties.

 

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Because business loans have more stringent eligibility requirements, when you apply for a commercial real estate loan, lenders usually want to know a few things about you and the commercial property you’re interested in:   

  • Business Finances: Small businesses are eager, but risky. Financial institutions like ABNB need to know that you’re not taking out more than you can handle, so they’ll review your profit and loss statements to ensure the business can repay the loan.   
  • Business Credit: Sure, you’ve heard of a credit score, but did you know your business has one too? A commercial real estate loan won’t just use your credit history, but will review your company’s credit score to figure out your interest rate and down payment requirements as well.  
  • Personal Finances: Small businesses are often owned by a person or a group of people, so lenders will review your personal credit report(s) and look for potential risks (bankruptcies, foreclosures, judgments, etc.)  
  • Property Details: Where is the property located? Is it in good condition? How much space will your business occupy? These are all things we’ll want answers to before offering a commercial real estate loan. 

Small-business loans (SBA) are offered to exactly who you’re thinking of: small businesses. Small businesses may not have the working capital other larger corporations have, but SBA loans still offer the ability to buy large offices and create a large footprint. SBA loans, like the SBA 7(a) commercial real estate loan and 504 loans, offer small loans to small businesses that are looking to start out on a solid financial track. These business-friendly loans can help with startup costs, real estate purchases, and everyday business capital requirements.

Much like FHA loans, SBA loans are government-backed — meaning they can be issued by private lenders but are insured by the government to protect everyone’s investment.