How much can the property support?
Work through NOI, DSCR, LTV and debt yield. Identify the constraint before choosing a requested amount.
Commercial real estate
financing guides
Compare financing options, prepare your project and understand the numbers behind a commercial loan.
By Chris De Leeuw · Stonehaven Lending · Updated September 30, 2026
Start with the decision
Use these guides to prepare a request, compare proposals and test the exit.
Bridge or permanent financing?
Compare the property’s readiness, financing costs and exit before choosing a structure.
What happens when the loan matures?
Organize the payoff, prepayment terms and refinance proceeds before the deadline.
Can land equity support the build?
Separate ownership basis, value and existing debt when preparing a construction request.
Does 100% LTC mean no cash needed?
Check eligible costs, reserves and draw timing. Budget coverage and cash at closing are different.
How do lot sales repay development debt?
Work through release prices and the cash retained after a lot sale.
Put the numbers to work
Use the commercial loan calculator alongside the calculation methodology. Estimates help organize a scenario; they are not a credit decision.
For five to eight units, compare the small multifamily financing guide before choosing a rental or commercial underwriting path.
Ready to discuss the project? Submit a commercial scenario. Prefer a scheduled conversation? Book a consultation.
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Commercial financing: programs and decisions
Compare project financing, work through the numbers and prepare a complete scenario.
Prepare 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.