Conventional Loans

Low-cost financing for stabilized
owner-occupied commercial real estate

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A conventional loan is a commercial real estate loan that can be used for property acquisition, refinancing, or rehab. These loans are utilized by business owners looking to own and occupy commercial real estate for their business.

Conventional Loan Snapshot

$1-$10 million


Up to 70%


Up to 10 years



Interest Rates

Ways to Use a Conventional Loan

Property Acquisitions
Light Rehab

How Conventional Loans Work

Conventional loans are most commonly used to purchase a stabilized commercial property. These loans are unique because they are not backed by a government entity – instead, the borrower receives funding solely from a lender (like us), breaking the loan into a 70/30 financing structure. The occupying business and owners guarantee the loan.

How Conventional Loans Work

Benefits of Conventional Loans

Conventional loans are a strong low-cost financing option if your business doesn’t meet the eligibility requirements for an SBA loan. If you have strong credit and property fundamentals, conventional loans offer very competitive fixed interest rates and low fees.

Because there are only two parties involved in a conventional loan (the borrower and the lender), the underwriting and approval process is often shorter. We typically close conventional loans 45 days after issuing a quote.

Business <br />
Eligibility Requirements

Eligibility Requirements

To qualify for a conventional loan,
your business should:
  • Operate as a for-profit company in the continental US
  • Demonstrate increasing revenue and income trends
  • Have a business DSCR of greater than 1.25x for two years
Borrower <br />
Eligibility Requirements

Eligibility Requirements

To qualify for a conventional loan,
you should:
  • Have a credit score of 700 or greater
  • Hold at least 4 years of experience in your industry
  • Possess a net worth of at least $1 million or 30% of total financing (whichever is greater)
  • Have no bankruptcies in the last five years

Closing Timeline

We can close your conventional loan within 45 days of receiving your signed Conditional Commitment Letter (CCL). We issue a CCL and after you accept our quote and submit all required documents.


You sign your commitment letter and pay a small deposit, which applies to your final down payment.


We conduct full underwriting and credit review and source third party reports.


We close your loan.

How to Apply

Complete your entire application online through our secure portal.

How to Apply


Register for our secure online portal.


Fill out and submit an online application (takes less than 30 minutes).

Review our conventional loan document checklist.


Get connected with a loan officer and get your quote.