Start with the property, timeline, and goal.
Commercial Property Financing Guidance
Buying, refinancing, or pulling cash out of a commercial property?
We help owners and investors compare realistic financing options and avoid poor-fit lenders.
Loan Range: $75,000 – $50,000,000
Typical Timeline: 30–60 days
- Owner-occupied and investment property financing
- Conventional and SBA-backed options
- Retail, mixed-use, office, industrial, self-storage, and multifamily
- A practical first conversation before the file gets heavy
Talk Through Your Scenario
Share the basics. We'll map the likely path.
Pressure-test the realistic paths before you package the deal.
Stay supported through underwriting and closing.
What Are You Trying To Do?
These are the conversations we most often have.
Purchase a commercial property
You want clarity on structure, timing, and lender fit before the process gets heavier.
Refinance existing debt
You want better terms, lower pressure, or a cleaner takeout for short-term debt.
Pull cash out strategically
You want to see whether equity can support renovations, growth, or near-term capital needs.
Compare conventional and SBA options
You need to sort out how occupancy, cash in, and timing affect the right loan structure.
How We Evaluate The Deal
We clarify the likely path early so you can move with better expectations and fewer dead ends.
Start With the Property and the Goal
We start with the property, occupancy, timing, and the goal.
Talk Through the Likely Lending Path
We outline likely structure, cash in, and documentation before you are deep in the process.
Match the Deal to the Right Fit
Once the path is clear, we match the deal to lenders and programs that fit.
Stay Involved Through Closing
We stay close as underwriting moves so you are not left managing it alone.
Executive Summary
What Lenders Usually Want To See
At a high level, these are the points lenders usually focus on first.
Property type, occupancy, and business purpose
Available equity, down payment, and liquidity
Relevant ownership or investor experience
Property cash flow, rent roll, or lease profile
Credit profile and any structure constraints
Timeline, use of proceeds, and best-fit loan type
Commercial real estate financing usually starts with one question: what do you need the property to do?
That answer shapes structure, lender fit, timing, and documentation. We start there so you can avoid the wrong path early.
Financing goals we commonly help with
- Purchase financing for owner-occupied commercial real estate
- Investment property acquisition and refinance
- Rate-and-term refinance to improve structure or monthly cash flow
- Cash-out refinance for business growth, repairs, or strategic projects
Property types we finance
- Retail
- Mixed-use
- Office
- Warehouse
- Light industrial
- Self-storage
- Multifamily
How the conversation usually starts
The first conversation is about fit, not paperwork. We want to understand the property, how it will be used, your timeline, and whether the request fits a conventional, SBA-backed, or other path.
That gives you a realistic read on what lenders are likely to focus on before you spend time chasing the wrong deal.
What Clients Say
Clients come to us for clarity, speed, and straight answers.
"Rexford moved fast, explained every option clearly, and helped us close on terms that worked for our cash flow."
Clear guidance before the file gets heavy.
- Start with the property, timeline, and goal.
- Pressure-test the realistic paths before you package the deal.
- Stay supported through underwriting and closing.
Frequently Asked Questions
What types of properties do you finance?
We regularly work on mixed-use, retail, office, industrial, self-storage, and multifamily deals. If you have a property in mind, we can size up the likely path quickly.
How long does approval take?
Many CRE loans close in about 30 to 60 days once the file is complete. Property type, documentation, and lender fit can move that timeline in either direction.
Do I need a large down payment?
Often yes on conventional deals. Some owner-occupied SBA structures can reduce cash in, but the answer depends on occupancy, property type, and the overall goal.
Can you help with both purchase and refinance requests?
Yes. We help with purchases, refinances, and cash-out requests tied to business or property goals.
Should I be looking at conventional financing or SBA?
That usually comes down to occupancy, cash in, timing, and structure. We can help you compare the tradeoffs before you commit to a path.