Commercial real estate
Commercial loans for income property and complex deals.
Office, retail, mixed-use, industrial and multifamily financing. One submission goes to the lenders that fit your deal, and you get real terms before you pay for third-party reports.
Property types
- Multifamily (5+ units)
- Office and medical office
- Retail and mixed-use
- Industrial, warehouse and flex
- Self-storage, hospitality and special purpose (case by case)
Loan programs
- Bridge: short-term capital for acquisitions, lease-up or repositioning.
- Long-term: fixed and floating permanent debt for stabilized assets.
- Construction: ground-up and heavy value-add with draw schedules.
- Refinance & cash-out: pay off maturing debt or pull equity for the next deal.
What to send
- Property address and purchase price or current value
- Rent roll and trailing 12-month operating statement
- Loan amount requested and timeline
- Sponsor experience and a brief business plan
How it works
- Submit your scenario. A broker reviews it within one business day.
- We match the deal to lenders whose box it fits.
- You compare term sheets and pick one.
- We manage the process through closing.
Who commercial financing is for
- Investors buying or refinancing apartment buildings with five or more units
- Owners repositioning office, retail or industrial properties
- Developers who need construction or heavy value-add capital
- Sponsors facing a loan maturity who need time to stabilize
What drives your rate and terms
- Net operating income and DSCR: how comfortably the property covers its debt.
- Leverage: lower loan-to-value earns better pricing.
- Sponsor experience: a track record with similar assets.
- Asset type and market: some property types and locations carry more risk.
- Business plan: stabilized assets price better than transitional ones.
Moving from a bridge loan to permanent debt? See long-term financing. Need extra working capital during a renovation? See unsecured business loans.
Commercial Loans guides
Frequently asked questions
What types of commercial properties can you finance?
Multifamily (5+ units), office, medical office, retail, mixed-use, industrial, warehouse and flex space. Self-storage, hospitality and special-purpose properties are reviewed case by case.
How much can I borrow on a commercial loan?
Fix and Flippers arranges commercial financing up to $250 million. The amount depends on the property value, its net operating income, the debt service coverage ratio and each lender’s guidelines.
What is the difference between a commercial bridge loan and a permanent loan?
A bridge loan is short-term capital, usually 12 to 36 months, for acquisitions, lease-up or repositioning. A permanent loan is long-term debt for a stabilized property with steady income. Many investors use a bridge loan first and refinance into permanent debt once the property performs.
What documents do I need for a commercial real estate loan?
Most lenders start with the property address, purchase contract or current value, rent roll, trailing 12-month operating statement, sponsor experience and a short business plan. Additional items are requested once a lender issues terms.
How long does a commercial loan take to close?
Bridge loans can close in a few weeks. Permanent and agency-style loans usually take longer because of appraisals, environmental reports and underwriting. Timelines vary by lender and property.
Do you charge upfront fees?
No. Fix and Flippers does not charge upfront fees to review your scenario or match you with lenders. Third-party costs such as appraisals are paid only after you accept terms.
Start your commercial loan request
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*Terms, leverage and timelines vary by lender, property and borrower qualifications. Not a commitment to lend.