Financing for commercial, mixed-use and business-purpose property.
Explore commercial financing options for eligible income-producing, mixed-use and owner-user properties. Available options are subject to application review, verification, lender guidelines and underwriting approval.
(938) 201-5656Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. This is not a commitment to lend or extend credit. Uptiq Premier Mortgage, LLC | NMLS 2362651. Equal Housing Opportunity.
Quick program summary
Commercial financing covers business-purpose loans secured by commercial, mixed-use, multifamily or owner-user property, where the review centers on the asset, the business and the sponsor.
- Business-purpose financing secured by commercial or mixed-use property
- Review typically considers property income, sponsor experience and the entity
- Acquisition, refinance and cash-out scenarios may be considered
- Multifamily, retail, office, industrial and owner-user property types may be reviewed
- Terms and structures vary widely by lender and asset class
What is commercial loans?
A commercial loan is secured by property used for business purposes rather than a home you live in. That includes apartment buildings above the residential unit count, retail and office space, light industrial, and owner-user buildings.
Unlike a residential mortgage, the review leans on the property's operating performance, the strength of the sponsoring entity and the experience of the principals. Personal income still matters, but it is rarely the center of the file.
Transactions commonly considered include acquisitions, refinances of maturing debt, cash-out on stabilized assets and financing tied to a business occupying its own space.
Before requesting a review, it helps to have a rent roll or operating statement, the entity structure, and a clear description of the property and business plan.
Who may want to explore it?
May be worth exploring for a multifamily property above the residential unit count
Could be considered for mixed-use buildings with retail and apartments
Options may be available for a business purchasing the space it occupies
May fit investors refinancing maturing commercial debt
Could be considered for portfolio or blanket financing across multiple assets
What this program may offer.
Operating income, occupancy and the property's performance are central to how lenders evaluate the file.
Loans are commonly made to an LLC, partnership or corporation with guarantors, rather than to an individual.
Multifamily, retail, office, industrial, mixed-use and owner-user scenarios may each be reviewed.
Term, amortization and interest-only features vary by lender and by asset class.
Purchases, refinances of existing debt and cash-out requests may each be considered.
UPM matches the scenario to lenders active in that asset class rather than forcing a single box.
Important considerations
- Rent rolls, operating statements and leases are typically required for income-producing assets.
- Personal guarantees are common on commercial financing.
- Environmental, property condition or specialized appraisal reports may be required.
- Prepayment structures on commercial loans differ from residential mortgages.
- Timelines depend on third-party reports and the complexity of the asset.
Options we can review
- Multifamily acquisition and refinance
- Mixed-use property financing
- Retail, office and light industrial scenarios
- Owner-user business property financing
- Cash-out on stabilized commercial assets
Three steps, no guesswork.
Clarify the asset class, the business purpose and the structure you are seeking so the file reaches the right lender type.
Share the property type, location and transaction goal through the Guide to open a commercial review.
A licensed mortgage professional reviews the scenario, requests supporting documents and matches it to active commercial lenders.
Frequently asked questions.
Multifamily above the residential unit count, retail, office, light industrial, mixed-use and owner-user business property are commonly reviewed as commercial.
Commercial loans are frequently made to entities. Guarantor requirements and entity documentation are part of the review.
It may be part of the file, but the property's performance and the sponsor's experience typically carry more weight.
Cash-out on eligible stabilized assets may be considered, subject to valuation, performance and lender guidelines.
Timelines depend on third-party reports such as appraisals and environmental studies, and on the complexity of the asset. Your professional will outline expectations for your scenario.
Not usually. Amortization schedules, term lengths, interest-only features and prepayment structures differ from residential mortgages.
Smaller commercial and mixed-use assets may be considered. The right lender depends on the size and type of the asset.
Other paths worth comparing.
Ready to see what commercial loans could look like for you?
Start with the UPM Mortgage Guide, then review possible options with a licensed mortgage professional.
(938) 201-5656Program availability and eligibility depend on borrower profile, property, credit, income, equity, documentation, lender guidelines, and underwriting approval. This is not a commitment to lend or extend credit. Uptiq Premier Mortgage, LLC | NMLS 2362651. Equal Housing Opportunity.