Conventional Owner-User Commercial Property Loan Program

1st Commercial Lending provieds Owner-Occupied Commercial Property owners with financing solutions for new acquisitions or refinancing. Whether you are seeking the lowest rate, highest leverage, no pre-payment penalty, or a long-term fixed rate, 1st Commercial Lending can help.

Program Highlights

680 minimum credit score

loan amounts from $750k to $10 million

Low fixed interest rates

5, 7, 10, 15, 25 & 30-year fixed terms available

Property Types Considered:

    OFfice building office condo
    retail building warehouse / light industrial
    mixed-use building medical office building
    Special Use Properties:
    Flagged hotel / motel medical practice building
    child daycare facility assisted living facility
    Funeral home c-store / no gas



    Use of Proceeds

    Commerical Real estate - purchase, refinance rate/term or cash out of commercial real estate.

    Standard Loan Structure

    Terms - 5, 7, 10, 15, 25, 30 - Years
    Amortization's - Up to 30 years
    Loan-To-Value - 80% LTV Max
    DSCR Requirements - Minimum property DSCR of 1.20x
    Recourse - Personal Guarantee Req'd


    1st Commerical Lendings's financing solutions offers commercial property ownsers and investors the full scope of financing to meet their individual needs. Over the years, we have developed a streamlined approval process that offers our clients quick answers and speedy results.

    Get started and complete our Commercial Loan Quick App Here and one of our experienced commercial loan advisors will contact you within 24 hours.

    Commerical Financing & Loan Experts are available, Call Us: (800) 341-6199


    1CL Advantages

      48 Hour Loan Proposals
      Common Sense Underwriting
      Streamlined Closing Process
      No Up-Front or APP Fees Ever!

    Recent Transactions













    Recent Testimonial

    1st Commercial Lending really came through for us when my sisters and I wanted to open our small business a few years ago. In a time when banking is so volatile, it was nice to know that someone was on our side to work with us in achieving a small business loan. Mike made the grueling process much simpler and fought for us and our goal.

    The people at 1st Commercial are not afraid to roll up their sleeves and work hard to help you get the loan that you need."

    Hilary Ross, "Barrel O Monkeys" Kids Gym - Delray Beach, FL