Commercial Mortgage Loans

You're buying a building that generates income, houses a business, or serves a community. AFC Mortgage Group has been helping investors and business owners navigate commercial mortgage financing since 1998. We specialize in the small to mid-size deals that the big banks put at the bottom of their pile.

What Is a Commercial Mortgage Loan?

A commercial mortgage is a loan secured by commercial or income-producing property — multi-family buildings with 5+ units, mixed-use properties, office buildings, retail spaces, warehouses, and industrial properties. It also covers owner-occupied business properties.

Commercial underwriting focuses on the property's income and borrower's overall financial strength. Loan structures vary widely: 5, 7, 10, or 25-year terms, fixed or adjustable rates, interest-only periods, balloon payments, and recourse or non-recourse structures. At AFC, we handle small to mid-size deals that need a lender who actually looks at the deal.

Who Is a Commercial Loan Right For?

Multi-family investors with 5+ unit buildings. Mixed-use property buyers. Small business owners buying their operating building. Office, retail, or warehouse investors. Developers financing construction or major renovations. SBA loan candidates. Portfolio investors refinancing or acquiring multiple assets. And investors converting properties between commercial uses.

How Commercial Loans Work at AFC

Step 1: Deal Review. We understand the property — what it is, what it earns, what you plan to do — then match it to the right program. Conventional commercial, SBA, bridge, or DSCR-based. We present options with real numbers.

Step 2: Application and Financial Review. Commercial underwriting reviews business financials, property income statements, rent rolls, and borrower net worth. We guide you through the specific documentation your program requires.

Step 3: Appraisal and Due Diligence. Commercial appraisals are more complex than residential. We coordinate environmental assessments, property condition reports, and income verification to keep the process moving.

Step 4: Close and Fund. Commercial loans typically close in 45 to 90 days depending on complexity. We communicate timelines clearly and manage the process so you know exactly where things stand at every stage.

Key Benefits of Commercial Loans at AFC

Small Deal Expertise. Big banks want $5 million deals. The $500K mixed-use building in downtown Shelton? They'll put it at the bottom of the pile. At AFC, small to mid-size commercial deals are our sweet spot. Your deal gets real attention from day one.

SBA Loan Guidance. For owner-occupied commercial properties, SBA loans offer excellent terms — lower down payments, longer terms, and competitive rates. We guide you through the SBA application process and handle the paperwork.

Bridge to Permanent Financing. Need to close quickly on a commercial acquisition and then secure permanent financing? We offer bridge-to-permanent strategies that get you in the door fast and transition to long-term terms once the property is stabilized.

Frequently Asked Questions

What types of commercial properties do you finance?

Multi-family (5+ units), mixed-use, office, retail, warehouse, industrial, and owner-occupied business properties. We focus on small to mid-size deals where the property makes financial sense and the borrower has the experience or resources to manage it.

How much down payment do I need for a commercial loan?

Typically 20–30% for conventional commercial loans. SBA loans for owner-occupied properties may allow as low as 10% down. The exact requirement depends on the property type, your financial profile, and the loan program. We'll give you specific numbers for your deal.

How long does a commercial loan take to close?

Commercial loans typically close in 45 to 90 days. SBA loans can take longer due to government review. Bridge loans can close in 2–4 weeks when speed is critical. We communicate realistic timelines from day one and manage the process proactively.