Commercial Property Loan                                   

Commercial Property Loans, also known as Commercial Loans or Commercial Real Estate Loans, mean for our purposes, loans that include land with structures, which are used for business purposes, and which fall into these general categories of properties:

• Anchored and Un-Anchored Retail Centers

• Investment Grade and Non-Investment Grade Free-Standing Retail

• Research and Development Centers

• Owner Occupied and Single Tenant Facilities

• Office Buildings and Office Campuses

• Medical Office Buildings

• Retail Strip Centers

• Mixed Use Commercial

• Warehouse Buildings

• Industrial Buildings

• Self-Storage Facilities

• Flex Use Buildings  

• Mobile Home Parks

As a direct commercial real estate mortgagee, Capital Funding of America funds commercial loans to its borrowers at very exceptional terms, including Fixed Rates and No Points.  Commercial Mortgage Rate Sheet Link

Properties such as apartment complexes,  student housing, vacant resorts,  hotel properties, and healthcare facilities are not considered commercial properties, but loans for these types of real  estate are treated separately in other areas of this website.

This program also applies to the refinancing of your commercial property.  (All rates and terms are subject to market conditions and full underwriting.)

The requirements for loan submission are as follows:    

Refinancing of Existing Facilities:

• The verification of the original paid in equity provided at the initial acquisition date--no matter how old.

• Income statement and budget reflecting a stabilized net operating profit with explanation as to how it was arrived.

• Define any rehabilitation, updating, or repairs that are going to be done with the refinancing.

• Outline any other liens, major liabilities, etc. that are going to be paid off with the refinance.

• Personal financial statements of all principals owning more than 5% of the organization.

• Two years tax returns for the organization and the principals owning more than 5% of the organization.

• Two years income statements and balance sheet for the property, plus trailing period financials.

• Resumes of all of the principals.

• The amount of the present debt for all mortgages, both first and second mortgage.

• Completed CFoA Loan Applications and Credit Authorizations.

• Current rent roll.

New Acquisitions:

• Brief executive summary detailing the basics of the acquisition.

• Pro Forma Income statement and budget reflecting a stabilized net operating profit with explanation as to how it was arrived.

• Define any rehabilitation, updating, or repairs that are going with the refinancing.

• Two years tax returns for the organization and the principals owning more than 5% of the organization.

• Two years income statements and balance sheet, plus trailing period financials.

• Personal financial statements on principals owning more than 5% of the organization.

• Resumes of the principals.

• Completed CFoA Loan Applications and Credit Authorizations.

• Current rent roll.

New Construction or Substantial Rehabilitation:

• Brief executive summary explaining use and income source from the property and background of the organization to be the proposed real estate.

• Two years tax returns for the organization and the principals owning more than 5% of the organization.

• Two years income statements and balance sheet, plus trailing period financials.

• Personal financial statements on principals owning more than 5% of the organization.

• Resumes of the principals.

• Pro Forma Net Operating Statement for three years.

• Simple recap of Construction Costs.

• Plans and Specifications for construction.

• Completed CFoA Loan Applications and Credit Authorizations.

• Most current rent roll if the loan is for acquisitions with substantial rehabilitation.

There are also CFoA credit and application forms that must accompany your submission, which we can email or fax to you upon request.

Please contact us at 1-800-322-5985 for more information about commercial real estate loans or use this link to our CONTACT US page.  

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