Commercial Capital
Commercial Mortgage Loans
Commercial mortgage loans are used to finance business-purpose and investment real estate, including acquisitions, refinances, cash-out refinances, construction completion, property improvements, portfolio transactions, and long-term ownership strategies.
At Pristine Capital, we help borrowers evaluate commercial loan options based on property type, income profile, loan purpose, collateral, borrower qualifications, timeline, and exit strategy. Available terms, rates, leverage, amortization, points, fees, documentation requirements, and closing timelines vary by lender, program, market conditions, property type, and borrower qualifications.
Commercial loans may be structured for owner-occupied business properties, income-producing investment properties, stabilized assets, transitional properties, multifamily, office, retail, industrial, mixed-use, hospitality, and specialty real estate scenarios.
Purchase & Refinance
Options for acquisitions, refinance, cash-out requests, maturing debt, and business-purpose real estate needs.
Property Type Review
Commercial, mixed-use, office, retail, industrial, multifamily, hospitality, and specialty property scenarios.
Structured Capital
We help evaluate leverage, income, collateral, documentation, timing, and practical lender-channel fit.
Commercial financing categories may include:
- Commercial real estate loans for investment and business-purpose property financing
- Commercial mortgage refinance for rate, term, cash-out, maturity, or debt replacement needs
- Apartment and multifamily financing for stabilized, value-add, and investment rental properties
- Office building financing for owner-user and investment office properties
- FHA commercial loan options where eligible for qualifying property and program scenarios
- USDA commercial loan options for eligible rural business and property financing needs
- Account receivable factoring and working-capital support for qualified business scenarios
Common commercial loan uses may include:
- Purchasing commercial or investment property
- Refinancing existing commercial mortgage debt
- Accessing equity through a cash-out refinance
- Replacing short-term, maturing, or higher-cost debt
- Funding renovations, stabilization, or property repositioning
- Supporting owner-occupied business real estate needs
- Preparing a property for permanent financing or sale
Loan structures may include:
- Fixed-rate commercial mortgages
- Adjustable-rate mortgage structures
- Balloon payment structures
- Interest-only payment options
- Bridge, private, or hard money financing
- SBA, USDA, FHA, or specialty commercial programs where eligible
Typical review factors may include:
- Property income, occupancy, and operating history
- Borrower credit profile, liquidity, and experience
- Collateral value, loan-to-value, and requested loan amount
- Debt service coverage and repayment capacity
- Property condition, market, tenant mix, and lease terms
- Loan purpose, timeline, documentation, and exit strategy
Commercial mortgage financing is not one-size-fits-all. Our team can help review the transaction, compare available structures, and determine which financing path may fit the property and borrower profile.
Contact Pristine Capital at 800-407-5696 to discuss your commercial loan scenario.
