Products

Commercial Mortgage Products

There are a variety of commercial mortgage programs that give emerging businesses the boost they need to expand and grow. Spectrum Commercial Lending is an expert in small business commercial mortgage financing. We have completed projects throughout the United States and are pleased to be able to provide commercial mortgage financing for all different types of borrowers and property types.

Based upon an application package we can provide:

  • 48 hour pre-qualification
  • Full loan commitments within 10 days
  • Loan closings within 60 days

Commercial Mortgages for Every Business Goal

  • Purchase
  • Refinance
  • Construction
  • Tenant Improvement
  • Cash Out/Working Capital

Spectrum has successfully completed commercial mortgages for a variety of property types:

  • Office
  • Industrial
  • Retail
  • Retail Auto Sales
  • Business Condominiums
  • Warehouse
  • Automotive Repair
  • Hotel/Motel
  • Assisted Living Facilities
  • Restaurants
  • Other Miscellaneous single-use properties

Available Commercial Mortgage Programs

Owner-User Commercial MortgageFinancing

Borrower occupies at least 51% of the subject property

Conventional Commercial Mortgage Financing

  • Financing for purchase, tenant improvements and refinance of commercial mortgage
  • Loan amounts up to $5 million
  • Up to 75% loan to value financing
  • Up to 25 year fully amortizing loans
  • Fixed and variable rate options
  • Competitive interest rates

SBA 504 Loans

  • Financing for the purchase and possible refinance of commercial mortgages
  • Projects sizes up to $10 million
  • As little as 10% down payment (up to 90% combined loan to value financing)
  • 25 year fully amortizing loans
  • Fixed and variable interest rate options
  • Must meet SBA eligible lending criteria

SBA 7a Loans

  • Loans for the purchase, construction, tenant improvements, equipment and refinance of commercial mortgages
  • As little as 10% down payment on purchases and up to 80% loan to value financing on all other types of projects
  • Projects sizes up to $5 million
  • 25 year fully amortizing loans
  • Variable interest rate
  • Must meet SBA eligible lending criteria

Commercial Mortgage Financing for Investors

  • Loans for purchase, tenant improvements and refinance of commercial mortgages
  • Up to 75% loan to value financing
  • Project sizes up to $15 million
  • 25 year amortizations
  • Fixed and variable rate options

Spectrum Commercial Lending understands the importance of every transaction and continuously strives to provide the best possible commercial mortgage financing solution for each borrower’s situation

Learn more about our commercial mortgage financing solutions