Build or rebuild
Compare acquisition, land equity, the build budget and cash between draws.
Commercial real estate
financing, nationwide
Acquisition, refinance, construction and bridge - sized to the asset. Call (470) 970-4979.
The Short Answer
Commercial real estate financing supports property acquisition, construction, repositioning and refinancing. The right structure depends on the property’s cash flow or build plan, value, borrower profile and repayment strategy. Stonehaven helps you compare financing options and prepare the transaction.
What are you planning?
Start with the project. Each guide explains what to review and what to prepare.
Buy, renovate and sell
Separate the purchase advance, renovation funding and planned resale.
Refinance or reposition
Start with the current payoff, maturity, cash flow and repayment plan.
Develop land or lots
Connect site control, approvals, infrastructure and lot-sale timing.
Buy an apartment building
Compare current operations with the improvements and lease-up you plan.
Finance a rental property
Review eligible rent, the full payment and cash flow before choosing a loan.
Our Programs
Four ways in
i
Multifamily
5+ units, sized on the rent roll - agency, bank and bridge.
ii
Mixed Use
Retail or office below, residential above - lenders who take both.
iii
Investor (1–4)
1-4 unit rentals qualified on cash flow - the DSCR desk.
iv
Commercial
Office, industrial, retail, self-storage, hospitality, special-purpose.
Refinance
Maturity due? Declined?
We quantify the gap and compare the paths - refinance, extension, recapitalization or sale. If it cannot be restructured, we say so.
The Program
We arrange financing on the merits of the asset and the strength of the borrower - nationwide, on terms built to hold.
Overview
Capital that fits the asset
We underwrite the asset first - cash flow, market, plan - then match terms to your hold.
Owner-occupied? SBA 7(a) or 504 may lower your down payment. Rentals? DSCR qualifies on cash flow.
At a Glance
Commercial loan parameters
Loan amountRequested amount reviewed case by case
Property typesMultifamily · Industrial · Retail · Office · Mixed-use
Loan purposeAcquisition · Refinance · Construction · Bridge
TermUp to 30 years
RateFixed & floating
GeographyNationwide - varies by state
Qualifying
How a commercial loan is underwritten
Net operating income against debt service, loan-to-value against appraisal, borrower experience.
Start with property details, rent roll or operating statements, contract or existing debt, and a borrower summary. We identify the information needed for the next stage; a term sheet is subject to further review.
Suited For
When commercial lending fits
i
Acquisition
Stabilized or value-add purchase.
ii
Refinance
Replace debt or pull out equity.
iii
Construction
Ground-up or major repositioning.
iv
Bridge
Short-term debt while an asset stabilizes.
How It Works
From inquiry to closing
i
Inquiry
Share the property and request. We aim for initial feedback in under one hour.
ii
Term sheet
We size it and compare lenders.
iii
Underwriting
We coordinate diligence, documents and conditions.
iv
Closing
The lender funds on the agreed schedule.
Questions
Frequently asked questions
What is a commercial real estate loan?
Financing secured by commercial or investment property. The review considers property cash flow or the development plan, value, borrower strength and the proposed repayment strategy.
How much down payment do I need for a commercial property?
Set as loan-to-value, by property and borrower. Owner-occupied? SBA financing can go to 10% down.
What are typical commercial loan terms?
Requested loan amounts are reviewed individually. Term, amortization, payment structure and lender limits depend on the property and business plan. Share your project for a lender comparison.
What property types do you finance?
Multifamily, industrial, retail, office and mixed-use - stabilized, value-add, construction and bridge.
How long does a commercial real estate loan take to close?
Varies by asset. Send statements, rent roll and contract up front and we hold the term-sheet timeline, subject to appraisal and title.
Do you arrange financing nationwide?
We arrange commercial financing nationwide. Availability and requirements vary by state, property and program.
Inquire
Discuss your financing
We follow up by text and aim for initial feedback in under one hour. No obligation.
What we review first
Share the location, intended use, total cost, requested financing and timing. We review the structure, flag missing information and explain the next step by text.
An initial review is not an approval, rate quote or commitment to lend. Keep account numbers and private documents out of this public form.
Thank you - received.
We will follow up by text. We aim for initial feedback in under one hour.
Builder financing guides
Teardown and rebuild loans
Plan acquisition, demolition and new construction.
Read the guide →Up to 100% LTC construction loans
Understand eligible costs and builder cash requirements.
Read the guide →Build on property you already own
Review existing equity, mortgage payoff and construction costs.
Read the guide →Capital for builders and investors
Capital for your next build or flip
Explore financing for your next acquisition, construction or renovation project. Share your project budget and requested amount for an individual review. Availability varies by state and lender.
Explore project financingPrepare the next decision
Acquiring a site, developing a subdivision or financing finished lots? Explore our land development and residential lot financing page to connect acquisition, site work, builder contracts and lot releases in one project review.
Planning your first investment? Our first-time investor learning center connects rental, fix-and-flip and rehab financing with budgets, draws and deal preparation. You can start learning before you have a property under contract.
For an apartment purchase, our multifamily acquisition financing guide compares a stabilized property with an acquisition that needs improvements. For a smaller building, review 5–8 unit financing options and the documents that distinguish a DSCR program review from commercial underwriting.
If an architect is coordinating the design, our financing partner guide for architects explains how to organize the first conversation between the client, design team and brokerage. Intended use, design stage and budget help determine what to review first.
For projects in the home state of our Alpharetta office, the Georgia and metro Atlanta commercial financing page connects construction, acquisition and refinancing with the details needed for a project review. It separates educational examples from company-reported closings.
Before choosing a requested loan amount, work through commercial loan sizing using DSCR, LTV and debt yield. The example shows why one constraint can limit the result from a calculator.
For an acquisition that needs stabilization, compare bridge and permanent financing. If an existing loan is maturing, the commercial refinance guide helps organize the payoff, maturity and available proceeds.
Use our commercial financing resources to connect these decisions with the documents and exit plan for your project.