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  • Commercial Real Estate Loans

Commercial Real Estate Loans Built for Business Growth

Looking to purchase, refinance, or renovate commercial property? Small Biz Heroes offers commercial real estate loans tailored to business owners and investors across a wide range of industries. With flexible terms, high loan-to-value options, and funding up to $50 million, we help you move quickly on the properties that move your business forward.

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Program Snapshot

Loan Amounts

$200K – $50M

Loan Term

1 – 40 years (fixed and interest-only options available)

Loan-to-Value

Up to 80%

Interest Rates

Competitive market rates!

Funding Timeline

Can close in as little as 2–3 weeks

Why Choose Small Biz Heroes for CRE Loans?

Funding for Investors or Owner-Occupiers

We finance retail, office, industrial, warehouse, mixed-use, and more — whether you're using it or leasing it.

No DSCR? No Problem.

We offer no-DSCR options for smaller loan amounts, especially under $750K.

Flexible Credit Requirements

We work with borrowers as low as 600 FICO — and can consider complex financials or unique deal structures.

Foreign Nationals & High-Risk Industries Welcome

We support deals others avoid, including cannabis-related properties and borrowers without U.S. citizenship.

Blanket Loans Available

Need to cross-collateralize or create a portfolio loan? We can do that, too.

Use Cases for Commercial Real Estate Loans

  • Property purchases
  • Fix & flips
  • Refinance or debt consolidation
  • Ground-up construction
  • Real estate lines of credit
  • Hotel, condo, and mixed-use projects
  • Quick closings on distressed or vacant properties
  • Chapter 11 exits
  • And more…

Eligible Property Types

  • Residential investment properties
  • Commercial and industrial buildings
  • Multifamily units
  • Condominiums and hotels
  • Office space
  • Vacant land and mixed-use
  • Single-tenant and multi-tenant spaces

Documents You’ll Need to Apply

Basic commercial real estate application & questionnaire

Personal financial statement (for all 20%+ owners)

Rent roll and income/expense sheet (for investment properties)

Appraisal (or broker opinion of value, if available)

Purchase contract or payoff statement (if refinancing)

Valid government-issued ID

Entity docs (LLC, S-corp, etc.)

Talk to a Commercial Lending Expert

FAQs

A commercial real estate loan is financing used to purchase, refinance, or renovate property for business purposes—such as office buildings, retail spaces, warehouses, or multi-family housing.
Yes. These loans can fund both owner-occupied properties and investment real estate, depending on the lender’s requirements.
Loan amounts typically range from $200,000 to $50 million dollars, based on the property value, your credit profile, and the strength of your business financials.
Most lenders prefer a credit score of 680 or higher, but alternative financing options may be available for those with lower scores. We work with borrowers as low as 550 FICO — and can consider complex financials or unique deal structures.
Yes. Down payment requirements typically range from 10% to 35% of the property’s purchase price, depending on the lender and loan program.
Absolutely. Refinancing can help you secure a lower interest rate, better terms, or cash out equity to reinvest in your business.
Terms can range from 1 to 40 years, with fixed or variable interest rates depending on the program you choose.