Commercial Loans

Need money to buy a business property? US Trust Business Loans and Alternative Capital Funding can help you explore loan options. You may want to buy a building, refinance a loan, or expand your business. We can help you understand the next steps.

Commercial Property Loans

Commercial loans can help you buy or refinance property. You may use the property for a shop, office, restaurant, or warehouse.

Some businesses buy property for their own use. Others invest in buildings to earn rental income. Your options depend on your goals, finances, and the property.

Types of Commercial Loans

Owner-Occupied Loans

Do you need space for your business? This loan may help you buy or refinance a property that you use.

You could use the space for an office, shop, or restaurant. The lender will review your business and ability to repay the loan.

Investment Property Loans

Want to invest in a building? This loan may help you buy or refinance an eligible property.

You may earn rental income from shops, offices, or warehouses. Review the rent, costs, and loan payments before you apply.

Mixed-Use Property Loans

Mixed-use buildings serve more than one purpose. A building may have homes above shops or offices.

A loan may help you finance an eligible building. The lender will review the property and your finances.

SBA 7(a) Loans

Some businesses may qualify for SBA 7(a) loans. These loans can support approved business needs.

Rules apply to each loan. Check the requirements before you apply.

Warehouse Loans

Warehouses support storage and shipping. A loan may help an eligible business buy or refinance a warehouse.

The lender may review the building, your finances, and your repayment plan.

Refinance Your Property

Already own a business property? You may be able to replace your current loan with a new one.

Some owners may also qualify for cash-out refinancing. This can let eligible borrowers access part of their property equity.

Compare rates, fees, and payment terms before you decide. Make sure the new payments fit your budget.

Benefits of Commercial Loans

A commercial loan may help you reach your business goals.

Buy a property: Get space for your business.
Grow your business: Move into a larger building.
Invest in property: Explore buildings that may earn rent.
Refinance a loan: Review options for your current debt.
Access equity: Explore cash-out options if eligible.

Your options depend on the loan program and your finances. Review all terms before making a choice.

What Do Lenders Check?

Lenders review several details before making a decision.

Property Details

The lender may check the property's value, condition, and use. The property must meet the program rules.

Business Finances

Lenders may review your income, expenses, debts, and bank records. These details help them assess your application.

Credit History

Your credit history may affect the options available to you. Each lender has its own rules.

Ability to Repay

Lenders need to know if you can make the payments. They may review business income, rental income, and other funds.

How to Prepare

Follow these steps before you apply.

Set your goal. Decide why you need the loan.
Set a budget. Work out the amount you need.
Check your finances. Review your income and debts.
Gather records. Prepare your business and property details.
Compare offers. Review rates, fees, and payment terms.
Check the rules. Ask which loan programs fit your needs.

Good preparation can make the process easier.

Why Choose US Trust?

Every business has its own needs. US Trust Business Loans and Alternative Capital Funding helps eligible borrowers explore commercial loan options.

Our team can explain the available programs and application steps. We can also help you understand what information may be needed.

Always review the full cost of a loan before accepting an offer. Rates, fees, and approval depend on your situation and the loan program.

Apply for a Commercial Loan

Ready to explore your options? Contact US Trust Business Loans and Alternative Capital Funding.

Tell us about the property and your funding needs. Our team can explain the next steps and help you explore suitable options.

Apply today to discuss your commercial property goals. Approval and loan terms depend on the lender, property, program, and your finances.