Commercial real estate financing
built around the constraint.
Acquisition, refinance, construction, and bridge capital - arranged through third-party capital providers, sized to the asset and structured to the hold, nationwide.
Commercial real estate financing covers acquisition, refinance, construction and bridge debt for income-producing property such as multifamily, industrial, retail, office and mixed-use. Stonehaven Lending is a capital advisory and brokerage firm: we size the request, solicit indications from third-party lenders, compare structure, cost and certainty, and coordinate underwriting through closing. The selected lender makes the credit decision.
Maturity coming due? Deal declined?
A maturing loan, a proceeds gap, or a lender decline is a decision point, not a dead end. We run a maturity and refinance-proceeds analysis, quantify any equity gap, and compare the realistic paths - refinance, extension, recapitalization, or a finance-ready sale - so you choose with numbers, not pressure. Not every transaction can be restructured, and we will say so plainly when it cannot.
We arrange financing across the major commercial asset classes - multifamily, industrial, retail, office, and mixed-use - on the strength of the property itself.
Capital that fits the asset.
A commercial real estate loan finances property held to produce income - an apartment building, a warehouse, a retail center, an office, or a mixed-use asset. Stonehaven’s commercial program serves owners and operators acquiring, refinancing, or building that property. We analyze and position the asset first - its cash flow, its market, and its business plan - and position terms that reflect how you intend to hold it. The selected lender makes the credit decision.
Loan amounts run from $1M to $50M and beyond, with terms up to 30 years and both fixed and floating rate options. Because we work nationwide, you keep one relationship from term sheet to close, wherever the property sits. For owner-occupied real estate, an SBA 7(a) or 504 loan may lower your down payment; for rental investors, a DSCR loan can qualify on property cash flow alone.
Commercial loan parameters.
How a commercial loan is underwritten.
Commercial underwriting weighs the property’s net operating income against the proposed debt, the loan-to-value against a current appraisal, and the borrower’s experience and financial strength. Most income-property loans are sized so the asset comfortably covers its own debt service, with loan-to-value typically set conservatively against value. Rate, term, and structure follow from the asset type and your plan for it.
We ask for the basics up front - property details, rent roll or operating statements, purchase contract or existing debt, and a borrower summary - so we can issue a term sheet quickly and underwrite without surprises.
When commercial lending fits.
Acquisition
Purchasing a stabilized or value-add commercial asset.
Refinance
Replacing existing debt, lowering rate, or pulling out equity.
Construction
Ground-up development or substantial repositioning.
Bridge
Short-term capital while an asset stabilizes or transitions.
From inquiry to closing.
Inquiry
Share the property and the ask. We respond within one business day.
Term sheet
We size the request, solicit lender indications, and compare structure, cost, and certainty.
Underwriting
We coordinate lender underwriting, diligence, documentation, and closing conditions.
Closing
Documents are drawn and the selected lender funds the transaction on the agreed schedule.
Frequently asked questions
What is a commercial real estate loan?
A commercial real estate loan is financing secured by income-producing property - such as multifamily, industrial, retail, office, or mixed-use - used to acquire, refinance, or build it. Unlike a home loan, it is underwritten primarily on the property’s cash flow and value rather than the borrower’s salary.
How much down payment do I need for a commercial property?
Down payment depends on the property, the loan purpose, and the borrower, and is expressed as loan-to-value rather than a fixed percentage. Commercial loans are generally set conservatively against value; owner-occupied borrowers who want to put less down should also look at SBA financing, which can go as low as 10% down. We confirm your figures on a term sheet.
What are typical commercial loan terms and rates?
Stonehaven offers commercial loans from $1M to $50M+ with terms up to 30 years and both fixed and floating rates. The exact rate and structure depend on the asset type, leverage, and your business plan. We do not quote a single rate because pricing is set per deal - request a term sheet for figures specific to your property.
What property types do you finance?
We arrange financing across the major commercial asset classes: multifamily (apartments), industrial and warehouse, retail, office, and mixed-use. Financing is available for stabilized assets, value-add, ground-up construction, and bridge situations.
How long does a commercial real estate loan take to close?
Timelines vary with the asset and the loan purpose, but a disciplined process moves from term sheet to closing without surprises when the borrower provides operating statements, the rent roll, and the purchase contract or existing-debt details up front. We work to the timeline set at term sheet, subject to third-party items like appraisal and title.
Do you arrange financing nationwide?
Yes. Stonehaven Lending arranges commercial real estate financing nationwide, so a single relationship can cover a property anywhere in the U.S. or a portfolio spread across several states.
Discuss your financing.
Share a few details and a Stonehaven specialist will respond within one business day. No obligation.
Want the market reference? This quarter’s terms sheet.
A Stonehaven specialist will be in touch within one business day.