Commercial Real Estate Loans: Up to 95% LTV
Specialized lending for commercial property acquisition, refinance, and owner-occupied expansion. We structure deals through SBA 7(a) and 504 programs to maximize leverage and minimize your cost of capital.
Funding Range
$250K – $10M
Approval
As fast as 48 hrs
Leverage
Up to 95% LTV
What is a Commercial Real Estate Loan?
A commercial real estate loan is financing specifically for purchasing, refinancing, or expanding commercial property. Unlike residential mortgages, CRE loans are underwritten based on the property's income potential and the borrower's business financials. Through Halford Capital, we place CRE transactions with lenders who specialize in your property type, including SBA 7(a) and 504 programs that can offer higher leverage and lower costs than conventional commercial mortgages.
Best for
- Business owners buying or refinancing commercial property
- Owner-occupied commercial spaces (office, retail, warehouse, medical)
- Businesses looking for competitive leverage and terms
- Owners who want to build equity instead of paying rent
Not ideal for
- Pure investment properties with no owner-occupancy (SBA requires occupancy)
- Businesses needing funds in under a week
- Speculative land purchases without clear development plans
- Residential rental properties
Common use cases
Qualification basics
Minimum requirements vary by lender. These are general guidelines to help you understand if this product is a fit.
- Operating business with at least 2 years of history (preferred)
- Property must be commercial and typically owner-occupied for SBA programs
- Reasonable credit history
- Down payment as low as 5% on qualifying SBA transactions
- Business financials that support debt service
How it works
Apply online
Tell us about your business and the property you're looking to finance.
Get structured
We identify the best loan program (SBA 7(a), 504, or conventional) for your deal.
Review offers
Compare terms from lenders who specialize in your property type. No obligation.
Close and fund
Closing in as few as 30 days for qualified deals.
Why Halford Capital
One application connects you to a network of leading national banks and private credit providers. We match you to the right lender so you don't have to shop around.
Bank-Level Security
AES-256 encryption protects every application. Your data is never sold to third parties.
Transparent Process
Clear terms, no hidden fees, no obligation. You see every offer before you commit.
Expert Guidance
Our team helps you navigate options and structure the best deal for your business.
Learn more
Commercial Real Estate
Commercial Real Estate Loan Rates Today: Conventional vs. SBA 504 vs. SBA 7(a)
SBA Loans
SBA 7(a) vs. 504 Loans in 2026: Which Is Right for Your Business?
Getting Started
How to Get a Business Loan in 2026: A Step-by-Step Guide
Commercial Real Estate
Owner-Occupied Commercial Real Estate Loans: SBA vs. Conventional
Compare other financing options
If this product is close but not quite right, these pages will help you compare timelines, structures, and use cases.
SBA Loans
4-6 weeksGovernment-backed financing with the lowest rates and longest terms available to small businesses. The SBA guarantee reduces lender risk, giving you access to capital that might not be available through conventional channels, with repayment terms designed around long-term growth, not short-term cash flow pressure.
Line of Credit
Under 1 weekA revolving credit facility that gives your business flexible, on-demand access to working capital. Draw what you need, repay, and reuse your available credit without reapplying. Designed for businesses that need ongoing liquidity to manage cash flow cycles and capture time-sensitive opportunities.
Term Loans
As fast as 3 daysA straightforward lump-sum loan with predictable monthly payments and no prepayment penalties. Faster to close than SBA and structured for established businesses that need capital with clear, simple terms without the complexity of government-backed programs.
Fast Capital
24-48 hoursRevenue-based financing designed for speed. When your business needs capital in days rather than weeks, this program underwrites primarily on recent cash flow, not credit history. Ideal for businesses that need to move quickly.
Frequently asked questions
Ready to explore your options?
One application. Multiple lender matches. No impact to your credit score.
Get My CRE Term Sheet