What Is A Commercial Real Estate Loan?
Commercial real estate loans are financing solutions used by investors to acquire, refinance, or restructure debt on income-producing properties such as office buildings, retail centers, industrial assets, warehouses, mixed-use properties, and larger multifamily apartment buildings.
How Chavez Capital Commercial Loans Work
Chavez Capital evaluates commercial real estate financing on a case-by-case basis. Commercial properties vary widely in size, asset type, income profile, and lender requirements. Our team reviews each opportunity individually to determine if financing is available and what terms may apply.
Because commercial deals are unique, underwriting considers:
- Property type and condition
- Net operating income and occupancy
- Location and market fundamentals
- Borrower experience and strategy
- Exit strategy and investor goals
We work with a network of private and institutional lenders who provide financing for commercial investment assets, tailoring solutions when traditional lenders may not fit.
Commercial Loan Highlights
- Case-by-case commercial loan evaluation
- Financing for office, retail, industrial, mixed-use, and multifamily commercial properties
- Cash-flow and asset-based underwriting
- Flexible loan structures tailored to your deal
- Long-term and short-term options (based on lender availability)
- Designed for investors, not owner-occupied properties
- Available nationwide (not available in UT, MN, VT, or SD)
Common Commercial Loan Use Cases
- Acquiring income-producing commercial property
- Refinancing existing commercial debt
- Stabilizing assets with improved cash flow
- Redeveloping or repositioning a commercial asset
- Structuring financing not available through traditional banks
How The Multifamily Dscr Loan Process Works
1. Apply
Submit basic property and loan details to receive initial evaluation.
2. Confirm Terms & Submit Documents
Upload required commercial property and investor documents.
3. Underwriting
Our team and lending partners review property performance and risk profile.
4. Approval
Receive conditional approval and term guidance.
5. Closing & Funding
Closing documents are prepared and financing is disbursed.
Commercial Loan FAQs
Commercial loans may be available for office buildings, retail centers, industrial facilities, warehouses, mixed-use properties, and larger multifamily assets.
Yes — commercial lending typically emphasizes net operating income, market fundamentals, and asset performance rather than personal income.
Yes. Commercial properties are more complex, and eligibility depends on property type, income, location, and exit strategies.
Yes — commercial loan evaluations are available in 46 states. Financing is not currently available in UT, MN, VT, or SD.
Yes — depending on property performance and lender guidelines, commercial refinancing may be an option.
Ready to Explore Commercial Financing?
Apply today to see if your commercial investment property qualifies for financing.