Flexible financing for purchasing, refinancing, or developing commercial property—structured around your business model, property use, and long-term goals

Because property decisions shape everyday work

Whether you operate from the building, lease space to tenants, run a professional practice, or develop affordable housing, commercial real estate financing works best when it reflects how the property supports income and long-term ownership.

Flexible loan structures

Our loans are structured with fixed or variable rate options depending on property type, project stage, and overall deal considerations—not a one-size-fits-all approach.

Local decision-making

Work directly with our Commercial Banking Team that understands the market and can move efficiently from conversation to review.

Guidance beyond the loan

From evaluation through closing, we walk alongside you—helping you think through risk, opportunity, and what’s next for your business.

Real estate loans for the space your business needs

Take a closer look at the properties we work with and discover what’s possible for your business. 

Commercial owner-occupied property

When your business works from most of the building, financing can be shaped around your day-to-day operations and long-term plans.

Commercial rental or investment property

For commercial properties that earn income through tenants, terms can reflect rent, occupancy, and how the Commercial property performs over time.

Commercial professional space

Medical, legal, and other professional offices often need financing that supports practice needs, transitions, and facility planning.

Commercial affordable housing development

Affordable housing projects involve coordinated funding, ongoing requirements, and timelines shaped around development milestones. 

How to get started with a commercial real estate loan

Our process is designed to be clear and collaborative. We’ll guide you step by step so you know what to expect and can feel confident throughout the process.

01
Connect with a Commercial Banker

By connecting with a Commercial Banker, you can talk through your property, timeline, and financing goals. We’ll listen first and guide you through next steps

02
Share your financial details

We’ll need some key information to understand cash flow, structure options, and project complexity. We’ll work together to reach the right solution.  

03
Review and approval

Our Commercial Banking Team evaluates the opportunity and works with you to finalize terms that align with your cash flow, property use, and long-term plans. Once approved, we guide you through closing and stay connected as your business and property continue to grow.

Your questions, answered

Getting a commercial real estate loan starts with a conversation about the property and your long-term plans for it. We’ll talk through whether you’re purchasing, refinancing, or improving a property, and review details such as your business financials, cash flow, and the property itself. From there, we’ll outline available options and explain how terms, rates, and repayment structures align with your goals.  

A commercial real estate loan can finance an owner-occupied property, and it can also finance select investment properties depending on the building’s use and the deal structure.

The amount you can borrow depends on the property value, the cash flow supporting the loan, and your overall financial strength.

We do finance construction and development in certain cases, and each project is evaluated individually because it often requires a specialized loan structure.

A commercial real estate loan is underwritten and structured around the business, the property, and the deal’s cash flow, while a consumer mortgage is primarily based on personal income and standard residential guidelines.

Yes, commercial real estate loans typically require a down payment. The down payment amount varies based on the property, loan structure, and overall financial profile.