Commercial Loans

Long-term business success can often rely on having the right commercial property with the right commercial loan. Niche Loans helps local business owners find the financing they need to make this happen. Our wide range of commercial loans with flexible rates and terms are designed to meet the varying needs of any client. We connect commercial clients nationwide and in Oakland, CA with all types of commercial financing solutions.

Conventional and Nonconventional Solutions

Commercial loans are available for a variety of purposes including the purchase of commercial property, refinancing existing loans, redeveloping property, and more. Property types financed can include but are not limited to:

• Office Buildings
• Retail Buildings
• Multi-Family Buildings
• Mixed-Use Buildings
• Industrial and Warehouse Buildings
• Gas Stations
• Auto Related Buildings
• Hotels & Motels
• Land

Properties can be non-owner occupied or owner-occupied as long as it is designated for business use. We offer conventional commercial mortgages and private money financing depending on your needs. The most common types of loans we provide are:

• Conventional loans: These are a standard type of commercial financing in which the borrowers’ finances are evaluated to determine if they’re eligible for financing, much like residential conventional loans. Conventional commercial loans will generally range from 5 to 15 years with rates ranging from 5% to 12% depending on the LTV.
• Private money loans: Private money loans, or hard money loans, are equity-driven loans in which lending decisions are based on the value of the property, rather than a borrower’s finances. Private money loans tend to be shorter and carry higher rates than conventional options.
• Bridge loans: Bridge loans are short-term loans that usually have high interest rates that are designed to bridge the “gap” until a more long-term financing solution is available. Typical bridge loan terms are generally 3 months to 24 months depending on the situation.

Commercial loans can be used for all types of real estate for companies with different needs. The type of loan you will need will depend on your specific project and goals. Niche Loans will discuss your financing needs and work to find the solution and type of loan that best meets those needs.

Find the Right Funding for Your Business

When you’re ready to learn more about different commercial financing options, contact Niche Loans. We can provide a no-obligation quotes and can help you compare different solutions. We work with business clients in Oakland, CA and throughout the country.