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Commercial Lending

Unlock your

business’

potential 

with our solutions.

At Optimal Finance, we specialize in providing customized commercial real estate loans to help you achieve your investment goals. Whether you're acquiring, renovating, or refinancing properties, our expert team offers a range of financing options designed to fit your unique needs.

Modern retail building, sunny day

Loan Programs

Bank

Conventional loans offer flexibility for nearly any type of investment property and provide competitive terms for businesses looking to make long-term investments.

CMBS

Commercial Mortgage-Backed Securities (CMBS) loans offer large-scale financing for various property types, including residential, commercial, and industrial properties, typically ranging from $1 million to $1 billion.

Bridge

Bridge loans are short-term loans used to "bridge" a gap in financing when acquiring or renovating properties. These loans provide fast access to capital to ensure your projects keep moving forward.

SBA 504

SBA 504 loans are designed for business owners looking to secure long-term financing with fixed interest rates and no balloon payments. These loans are ideal for businesses looking to purchase or improve real estate.

SBA 7(a)

SBA 7(a) loans offer adjustable rate financing with terms up to 25 years. These loans are designed for business owners looking to purchase commercial real estate, refinance, or cover other business expenses.

Fannie Mae

These loans offer long-term, fixed-rate financing for multifamily residential properties. Perfect for commercial real estate investors, these loans help you acquire, refinance, or redevelop multifamily housing at competitive rates.

Freddie Mac

Freddie Mac loans provide investors with financing options for multifamily properties. These loans offer flexibility and competitive rates for commercial real estate investors.

FHA / HUD

These government-backed loans are designed to provide long-term, fixed-rate financing to investors looking to acquire or improve multifamily real estate.

Life Insurance

Life insurance loans are used to finance high-quality commercial properties, with low Loan-to-Value (LTV) ratios. These loans are ideal for Grade A properties with strong financial history.

Frequently Asked

Questions

  • Commercial real estate loans provide financing for investment properties. These loans can be used to acquire, renovate, or refinance properties for business purposes.

  • Lenders evaluate commercial loan applications based on the property’s potential and the financial health of the business. The process is similar to a personal mortgage, but the loan terms and criteria are tailored to commercial properties.

  • While both types of loans share similarities, commercial mortgages generally involve larger loan amounts, stricter qualification criteria, and unique loan features such as shorter terms, balloon payments, and higher debt-service ratios.

  • You will need information about your property, business performance, and financing goals. Our team will guide you through the application process, ensuring that you have everything you need to secure your loan.

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Start your pre-approval

today!

Robert Shaar

NMLS# 108589

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