Commercial Real Estate Loans
Commercial real estate financing may be used for eligible property purchases, refinances, or improvements. Property type, occupancy, transaction purpose, borrower financials, costs, rates, and terms are reviewed under the lender’s program.
Start with how the property will be used
Will your business operate from the building, or will tenants generate rental income? Explain the planned use before comparing financing. Owner-occupied business property and investment property can follow different program rules.
Where SBA financing may fit
SBA 7(a) financing can support eligible real-estate purchases, refinancing, or improvements. SBA 504 financing supports eligible major fixed assets, but cannot be used for speculation or investment in rental real estate. Neither program is a blanket option for every commercial property.
Read our SBA financing guide, then confirm current eligibility and lender participation. This information does not establish that Beacon offers or can arrange a particular SBA product.
- Describe the property, intended use, purchase or refinance purpose, and requested timeline.
- Ask which financial records and property reports are needed before paying for third-party work.
- Compare the loan maturity with the amortization schedule, and ask whether a balance may remain due at maturity.
Official program references: SBA 7(a) loans and SBA 504 loans. Sources checked October 29, 2026; program rules and lender requirements can change.
Ask about your commercial property scenarioCommercial Real Estate Loans in Florida — Property Financing Guide
Commercial real estate financing can support the purchase, refinance, or improvement of qualifying income-producing or owner-occupied property. Underwriting often focuses on both borrower strength and the property’s ability to support the proposed debt.
Requirements at a Glance
Key Benefits
- ✓Finance eligible office, retail, industrial, multifamily, mixed-use, or other commercial properties
- ✓Options may include acquisition, refinance, cash-out, renovation, or permanent financing
- ✓Structures can vary by fixed/variable rate, amortization, term, recourse, and prepayment provisions
- ✓Property income can play a significant role in underwriting
- ✓Different lender types can serve different property and borrower profiles
How to Apply — Step by Step
Package the deal
Gather purchase price, use of funds, rent roll, operating statements, borrower financials, and property details.
Review lender fit
Match property type, leverage, transaction size, and borrower profile with appropriate programs.
Evaluate a term sheet
Compare rate, fees, amortization, maturity, recourse, prepayment, reserves, and closing conditions.
Complete due diligence
Commercial appraisal, title, environmental, survey, lease, and other reviews may apply.
Satisfy closing conditions
Finalize legal and financial documentation before funding.
Who Qualifies?
Commercial eligibility is transaction-specific. Property type, income, debt-service coverage, leverage, borrower liquidity, experience, credit, guarantor strength, and requested loan structure can all affect available programs.
For commercial financing, the headline rate tells only part of the story. Amortization, maturity, recourse, prepayment terms, lender fees, reserves, and extension options can materially change the economics.
Discuss Your Commercial Property Financing
Share your scenario and ask which program requirements and next steps may apply.
Who This Is For
Property owners, investors, and businesses exploring financing for a commercial property transaction.
Ask About Mortgage Options
Share your contact information and the loan type you want to discuss.
Commercial Real Estate Loans Information by Location
Ask About Commercial Real Estate Options
A loan officer can review your inquiry and explain options that may apply.
Your inquiry will be sent to Beacon Mortgage. Do not include account numbers or financial documents in this form.
Frequently Asked Questions
- What are Commercial Real Estate Loans?
- Commercial real estate financing may be used for eligible property purchases, refinances, or improvements. Property type, occupancy, transaction purpose, borrower financials, costs, rates, and terms are reviewed under the lender’s program.
- Who qualifies for Commercial Real Estate Loans in Florida?
- Property owners, investors, and businesses exploring financing for a commercial property transaction.
- Can I ask Beacon Mortgage about Commercial Real Estate Loans?
- The website has information about Commercial Real Estate Loans. Contact Beacon Mortgage to ask whether this program is currently available for your property and transaction.