What is a commercial mortgage?
A commercial mortgage is financing secured by real estate used for business, investment or other commercial purposes. The property and transaction are assessed under commercial lending requirements.
COMMERCIAL FINANCING
Financing connections for commercial real estate.
Commercial mortgage financing can support purchases, refinancing, investment properties, owner-occupied business real estate and other commercial property needs. Lenders may assess the property, income, business profile and transaction structure differently from residential financing.
WHAT TO EXPECT
Start with your situation, not a product.
Mortgage options depend on factors such as the property, available equity, income, credit, existing financing and your overall objective. The right structure is specific to the borrower and the transaction.
✓Define the property type, transaction purpose and requested financing
✓Prepare property, income and business information relevant to the request
✓Connect with mortgage professionals suited to commercial financing situations
01
Tell us your goal
Complete a streamlined Conixi request with the basics of what you want to accomplish.
02
Get connected
Conixi connects you with an appropriate licensed mortgage professional.
03
Review the options
The mortgage professional can assess your circumstances and explain financing options, costs and next steps.
UNDERSTANDING YOUR OPTIONS
Commercial Mortgage: what to consider
Commercial mortgages finance real estate used for business, investment or other commercial purposes. Unlike a typical residential mortgage, the review may place significant weight on the property type, occupancy, rental or business income, borrower or sponsor profile, transaction purpose and the proposed financing structure. Requirements can vary considerably between lenders and property types.
Before choosing a structure, review:
✓The property type, location, use, occupancy and condition
✓Purchase price or estimated value and the requested financing amount
✓Existing mortgages and the purpose of any refinance or additional funds
✓Property income, expenses, leases and other cash-flow information where applicable
✓Business or borrower financial information relevant to the transaction
✓The requested term, amortization, timing and longer-term financing objective
COMMON QUESTIONS
Frequently asked questions
How is commercial mortgage financing different from residential financing?
Commercial transactions can place greater emphasis on property income, business purpose, leases, cash flow and transaction structure, and lender requirements can vary widely.
What types of properties may use commercial mortgage financing?
Depending on the lender, financing may be available for a range of commercial and investment property types. The property use and income profile help determine which lenders may be relevant.
Can a commercial mortgage be used for refinancing?
Commercial financing may be considered for purchases, refinancing and other property-related financing objectives, subject to the property, borrower and lender requirements.
What information helps start a commercial mortgage review?
Property type, location, estimated value or purchase price, existing financing, requested amount, income information and the purpose of the funds provide a useful starting point.
Are commercial mortgage rates and terms standardized?
No. Pricing and structure can vary with the property, leverage, income, borrower profile, lender and transaction. A commercial mortgage professional can review the available structures for a specific request.
Transparency first.
Conixi is a mortgage referral platform. We do not provide mortgages directly or offer financial advice. Mortgage availability, rates, terms and approval depend on the lender, property and applicant circumstances.
READY TO START?
Tell us what you're looking to accomplish.
Take the first step and connect with a licensed mortgage professional.
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