Commercial Mortgage
Commercial Mortgages — Compare Rates, Lenders & Terms
Buy, build or refinance the property your business operates from — or an investment property — with financing structured around your rental income and business cash flow.
- Owner-occupied & investment property
- Purchase, refinance & cash-out
- SBA 504 & conventional options
10%
Down possible on SBA 504 owner-occupied
51%
Occupancy needed to qualify owner-occupied
5–25 yr
Term and amortization ranges compared
$0
To compare — always free
Finance The Space Your Business Runs On
A commercial mortgage funds the purchase or refinance of property used for business — an office, warehouse, storefront, multi-family or mixed-use building. Owner-occupied deals (you run your business from the building) often qualify for SBA 504 financing with low down payments; investment property is underwritten on the rental income it produces.
Terms, amortization and down-payment requirements vary widely by lender and property type. We line up multiple commercial lenders so you compare rate, term and structure before you commit.
The right lender turns a building into an asset
Commercial financing isn't one product — it's SBA 504, conventional, and portfolio loans, each with different down payments, terms and balloon structures. The wrong fit can cost you points on the rate and tens of thousands over the life of the loan.
We match the deal to lenders who actively fund your property type and size, so you compare real structures side by side and close on terms that fit your cash flow — not whatever the first bank happened to quote.
Matched to your property type
Lenders specialize — office, retail, industrial, multi-family and mixed-use are all underwritten differently. We route your deal to the ones that fund it competitively.
SBA 504 & conventional, compared
Owner-occupied deals can qualify for SBA 504 with as little as 10% down. We line it up against conventional financing so you see the real trade-off in rate, term and cash required.
Structure that fits cash flow
Term, amortization and balloon timing decide your monthly payment and refinance risk. We compare structures so the loan works with your income, not against it.
Owner-occupied vs investment property
How a deal is underwritten depends on who uses the space. We weigh both paths against your plans so you target the financing that actually fits.
Owner-occupied
Your business occupies at least 51% of the building — the path to the best terms and SBA eligibility.
- Qualifies for SBA 504 with down payments as low as 10%
- Underwritten on your business cash flow and the property
- Generally the lowest rates and longest fixed periods
- Build equity in the space you already pay rent on
Best for: Owners buying or refinancing the building they operate their business from.
Investment property
A property you lease to tenants — underwritten on the rental income it produces.
- Qualified on the property's net operating income and DSCR
- Typically needs 20–30% down on conventional financing
- Not SBA-eligible — financed through banks and portfolio lenders
- Rate and terms reflect tenant quality and lease strength
Best for: Investors financing a property leased to third-party tenants for income.
Typical Commercial Mortgage Rates
Sample structures from commercial lenders — submit a quote for offers based on the property, your business and your down payment.
LightStream
4.7
Personal Loan
Up to 84 months
- No fees, no prepayment penalty
- Same-day funding available
- Loans up to $100,000
SoFi
4.5
Personal Loan
Up to 60 months
- No origination fees
- Member discounts
- Unemployment protection
Marcus by GS
4.4
Fixed Rate Loan
Up to 72 months
- No fees ever
- Customize your payment date
- Skip a payment option
How To Compare Commercial Mortgage Offers Using Comparison Junction?
- 1
Tell Us About The Deal
Property type, purchase or refinance, price, and your down payment or equity — the basics that shape the offer.
- 2
We Match You To Lenders
Different lenders specialize in different property types and deal sizes; we route you to the competitive ones.
- 3
Compare Structure & Cost
Rate, term, amortization, balloon, and total cost — side by side, with the trade-offs explained.
- 4
Close With Confidence
Pick your lender and move to underwriting, appraisal and closing with your offer terms locked in.
Why Comparison Junction
Why compare commercial mortgages with Comparison Junction
Commercial financing is quoted in points, balloons and amortization tricks that hide the real cost. We make rate, term and total cost clear — so the cheapest offer is genuinely the best deal.
Featured
Lower your true cost
We compare rate, points, term and balloon together — not just the headline rate — so you pick the structure that costs the least over the life of the loan.
Smart comparison preview
No surprise terms
Balloon dates, prepayment penalties, recourse and reserve requirements are spelled out before you commit, so nothing ambushes you at closing.
One quote, many lenders
Submit your deal once and we route it to commercial lenders who fund your property type — no calling banks one by one.
Expert deal matching
A real advisor reads your deal and steers it to lenders that actually underwrite it — independent guidance, not a single bank's pitch.
Lenders that fund deals
We work with established commercial lenders and SBA-preferred banks, so the offers you compare come from sources that close.
Refinance & cash-out ready
If your property has appreciated or you've paid down principal, we compare cash-out refinance options to free equity for expansion within sensible LTV limits.
Here's what our customers have to say
“Michael went above and beyond to answer all my questions and helped make the process very easy.”
Michael Tennant
“Daniel was knowledgeable, patient, and helped reduce my electric bill stress completely.”
Lisa M
“Jack walked me through the process and helped me find one of the best rates available.”
Sylvia Nambassa
“Stewart explained everything clearly and showed me how I could save money on future bills.”
Carleton
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