Commercial Property Loans - Fast Review, Flexible Terms
Finance retail, office, warehouse, self-storage, and mixed-use properties with 30-year fixed loans and interest-only options.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
What Is a Commercial Property Loan?
A commercial property loan finances income-producing real estate — mixed-use buildings, retail centers, office space, and light industrial. Traditional banks underwrite these deals on rent rolls, leases, and DSCR calculations, which kills deals with vacancy, value-add upside, or transitioning tenants.
We underwrite commercial loans on the asset — property value and your equity position — not on tax returns or current cash flow. That's how we close deals other lenders can't.
Why Choose Insource Funding for Your Commercial Property Loans?
We're direct private lenders with our own capital and our own decisions. No middlemen, no waiting on approvals from someone else. Straightforward terms, fast answers, and a lending partner for every deal you bring us.
All Commercial Property Types
From retail centers to warehouse properties—we finance them all
Multi-family, retail, office, industrial, mixed-use—if it generates income, we'll finance it. First-time commercial buyer or experienced portfolio owner, we have the expertise to structure your deal.
Flexible Terms & Deal Options
Up to 70% LTV with flexible deal terms and multiple structure options
30-year fixed or interest-only structures. DSCR waived for loans under $600K. No minimum credit score (premium pricing for scores over 700). Up to 65% LTV for foreign nationals.
Direct Access to Decision Makers
No loan officers, no brokers—talk directly to the lending team
We own our capital and make our own decisions. That means faster approvals, flexible underwriting, and real conversations about your commercial investment strategy.
No-Doc Approval
Fast commercial loan approval without extensive documentation requirements
The Approval Process
From application to closing in 8–13 business days
Apply & Discuss Your Deal
Submit your commercial property information online. We'll call you the same day to discuss your acquisition or refinance and structure terms that work for your investment.
Sign Term Sheet & Underwriting
We send a comprehensive term sheet with flexible deal terms and structures. We order the appraisal and collect basic documents while completing underwriting.
Valuation & Close
Commercial appraisal typically returns in 5-7 days. We close 2-5 days after receiving the value. Total time from application to closing: 8–13 business days.
📄 Documents We'll Need
For commercial loans, we'll need property details, rent roll or income statements, and basic entity documentation. For loans under $600K, we can waive DSCR requirements entirely.
Real Investors. Real Commercial Loan Success.
These aren't just offers — they're real deals backed by real investors who made a move. Here are a few examples where commercial financing speed mattered.
$360K
Mixed-Use Property • Cash-Out Refinance
$1.2M
Office Building • Purchase
$500K
Car Wash & Repair • Cash-Out Refinance
These are real transactions closed by Insource Funding. Your deal could be next.
Use Cases for Commercial Loans
Acquire income‑producing retail
Secure long‑term tenants and stable cash flow with a true commercial property loan.
Refinance warehouse or industrial assets
Replace higher‑cost debt, access equity or simplify your portfolio under one financing umbrella.
Portfolio consolidation & growth
Combine multiple smaller assets into one commercial mortgage and free up capital for your next large‑scale move.
Why Insource Funding
Direct Private Lender Since 2001
Explore More Financing Solutions
We offer specialized loan programs for every type of investment property
Active commercial investment markets:
Commercial Loan FAQ
Common questions about our commercial property loans
Commercial balloon coming due? Refinance without DSCR or income docs →
Ready to Finance Your Commercial Property?
Let's talk about your commercial property goals. Whether you're acquiring retail space, refinancing a warehouse, or expanding your portfolio—we'll help you find the right financing solution. Fast approvals, flexible terms, and rates that work for your deal.