Commercial Real Estate Loans
Amerifi Lending arranges commercial real estate financing for investors and business owners, for purchases, refinances and cash-out, nationwide where permitted.
Commercial loans are underwritten mainly on the property’s income and the strength of the sponsor. We work with a range of capital sources to match each deal with the right loan structure.
Who it’s for
How it works
Lenders look at the property’s net operating income (NOI), its debt service coverage ratio (DSCR) and its loan-to-value. They also look at your experience and financial strength as the borrower or sponsor.
Depending on the deal, options can include fixed and adjustable rates, interest-only periods, bridge financing for value-add projects, and recourse or non-recourse structures.
What you need to qualify
- A property with documented income, or a credible business plan for a value-add property
- A sponsor with relevant experience and financial strength
- Equity or down payment that varies by property type and loan size
- Third-party reports as required: appraisal, environmental, property condition
Documents to have ready
- Rent roll and trailing 12-month operating statement (T-12)
- Purchase contract, or current loan details for a refinance
- Sponsor resume / real estate schedule of owned properties
- Personal financial statement
- Entity documents
How it works with Amerifi Lending
Frequently asked questions
What size commercial loans do you do?
Loan size and structure depend on the property and the market. Send us the basics and we’ll tell you quickly whether it’s a fit.
Do you lend nationwide?
Business-purpose commercial loans are available nationwide where permitted. Tell us where the property is.
Related loan options
Ready to see what you qualify for?
Send us the property address, the rent roll and your goal. We’ll give you a straight answer on financing options.
- No cost to find out what you qualify for
- Straight answers, no pressure
- We reply within one business day