Commercial Real Estate Loan Options
SBA 504 Loans:
Long-term, fixed-rate financing for owner-occupied properties such as restaurants, boutique hotels, warehouses, or offices. Ideal for small businesses expanding.
Interest Rate: 5%–7%
Conventional Bank Loans:
Traditional financing for all commercial property types, including shopping centers, office buildings, full-service hotels, and multifamily properties.
Interest Rate: 6.5%–8.5%
CMBS Loans (Commercial Mortgage-Backed Securities):
Non-recourse loans for stabilized properties like large hotels, retail plazas, or multifamily complexes, with 5–10-year terms.
Interest Rate: 6%–8%
Bridge Loans:
Short-term financing for transitional properties, such as a restaurant or hotel being repositioned, or a cannabis dispensary needing upgrades before stabilization.
Interest Rate: 9%–15%
Construction Loans:
Funding for ground-up development, including new restaurants, hotels, industrial warehouses, multifamily buildings, or oil and gas facilities like pipelines or refineries.
Interest Rate: 7%–11%
Mezzanine Loans:
Hybrid debt financing for acquisitions or refinancing of high-value properties like luxury hotels, mixed-use developments, or oil and gas infrastructure projects.
Interest Rate: 10%–18%
Hard Money Loans:
Asset-based, short-term loans for quick closings on commercial projects, such as a distressed restaurant, a cannabis cultivation facility, or a gas station needing immediate funding.
Interest Rate: 10%–18%
HUD/FHA Loans:
Government-backed loans for multifamily properties (4+ units), including affordable housing, with programs like HUD 221(d)(4) for construction or rehabilitation.
Interest Rate: 5.64%–7%
Private Money Loans:
Flexible financing from private lenders for unique projects, such as a bed-and-breakfast, a cannabis retail store, or an oil and gas exploration venture.
Interest Rate: 9%–15%
Agency Loans (Fannie Mae, Freddie Mac):
Competitive financing for multifamily properties with 4+ units, offering long terms (5–30 years) and non-recourse options.
Interest Rate: 5.9%–7%
Portfolio Loans:
Non-conforming loans for unique properties, such as mixed-use developments, entertainment complexes, or gas stations with integrated retail and dining.
Interest Rate: 6.5%–9%
Equipment Financing:
Loans or leases for equipment, such as kitchen appliances for restaurants, HVAC systems for hotels, extraction equipment for cannabis businesses, or drilling equipment for oil and gas operations.
Interest Rate: 6%–10%
Owner-Occupied Commercial Loans:
Financing for businesses purchasing or refinancing their own spaces, such as a restaurant, medical office, cannabis dispensary, or gas station owner buying their property.
Interest Rate: 6%–8.5%
Fix-and-Flip Loans:
Short-term financing for investors buying, renovating, and selling commercial properties, like a retail center, a restaurant space, or a gas station.
Interest Rate: 9%–15%
Hospitality-Specific Loans:
Tailored financing for full-service hotels, boutique hotels, motels, resorts, and bed-and-breakfasts, covering acquisition, renovation, or construction.
Interest Rate: 6.5%–9%
Restaurant-Specific Loans:
Financing for fast-casual chains, fine dining establishments, food trucks, and bars, for startup costs, expansion, or equipment purchases.
Interest Rate: 8.5%–10%
Franchise Financing:
Loans for franchisees in hospitality and dining, such as a Hilton hotel, a Marriott, or a franchise restaurant like McDonald’s or Starbucks.
Interest Rate: 6%–9%
Medical and Healthcare Loans:
Financing for medical offices, dental practices, veterinary clinics, or senior living facilities, for acquisition, construction, or equipment.
Interest Rate: 6%–8.5%
Entertainment and Leisure Loans:
Funding for theaters, bowling alleys, arcades, or event spaces, including those with integrated dining or hospitality components.
Interest Rate: 7%–10%
Gas Station and Convenience Store Loans:
Expanded financing for gas stations, convenience stores, or car washes, often with retail or dining elements, covering acquisition, upgrades, or new construction (e.g., adding EV charging stations or a quick-service restaurant).
Interest Rate: 6.5%–9%
Self-Storage Facility Loans:
Loans for self-storage businesses, covering construction, acquisition, or refinancing of facilities.
Interest Rate: 6%–8.5%
Green Energy Commercial Loans:
Financing for sustainable projects, such as solar-powered retail centers, energy-efficient hotels, or eco-friendly multifamily buildings.
Interest Rate: 6%–9%
SBA Express Loans:
Smaller, faster SBA loans for commercial projects, ideal for restaurants, small retail businesses, or gas stations needing quick capital.
Interest Rate: 12%–14%
Cannabis Industry Loans:
Specialized financing for cannabis-related businesses, including dispensaries, cultivation facilities, processing centers, or distribution operations, navigating the unique regulatory and banking challenges of the industry.
Interest Rate: 10%–16%
Oil and Gas Industry Loans:
Financing for oil and gas projects, including exploration, drilling operations, pipeline construction, refineries, or service stations, tailored to the energy sector’s capital-intensive needs.
Interest Rate: 7%–12%
SBA 7(a) Loans:
General-purpose financing for acquisition, construction, or refinancing across all commercial sectors.
Interest Rate: 7%–9.5%
Phase 1: Initial Prequalification Needs
This preliminary information allows us to quickly assess your project's viability and provide initial guidance on potential financing solutions. While providing comprehensive details at this stage is beneficial, we aim for flexibility.
Required from Any Sponsor/Borrower with Over 20% Ownership:
Full Legal Name
Email Address
Phone Number
Personal Address
Business & Property Information:
Legal Name of Business Entity (e.g., LLC, Corporation)
Property Type (e.g., Multifamily, Office, Retail, Industrial, Hospitality, Land, Special Purpose like Cannabis Facility or Oil & Gas, Healthcare, Manufacturing)
Property Address
Estimated Annual Net Operating Income (NOI)
Optional: Details on any non-recurring "add-back" expenses on the current P&L.
Optional: Details on any anticipated non-recurring expenses from the P&L for the next year.
Project Financials:
Requested Loan Amount
Purpose of Loan (e.g., Purchase, Refinance, Construction, Rehabilitation/Value-Add, Working Capital, Equipment, Business Acquisition)
If Purchase/Construction/Rehab:
Purchase Price (if applicable)
Estimated Cost of Improvements/Construction
Current Value of Land (if applicable)
Projected Appraised Value (after stabilization/completion)
Total Project Cost
Sponsor/Borrower Financial Overview (for any sponsor over 20% ownership):
Estimated Credit Score (e.g., range or FICO)
Estimated 3-Year Average Annual Income
Estimated Total Annual Personal Debt Payments
Estimated Personal Net Worth
Estimated Personal Liquidity (Cash, Marketable Securities)
Brief Bio/Experience Summary (past projects, relevant expertise)
Existing Loan Details (If Applicable, e.g., for Refinance):
Current Lender Name
Current Amount Owed on Existing Loan(s)
Current Interest Rate on Existing Loan(s)
Maturity Date of Existing Loan(s)
Phase 2: Required Documentation for Loan Funding
Once your project has been pre-qualified, the following documents are typically required to prepare a comprehensive loan package for lenders. Providing these in a timely and organized manner will significantly expedite the underwriting and closing process.
General Business & Borrower Information:
Borrower Resume(s) or Experience Summary (for all 20%+ owners)
Personal Guarantees or Co-signer Information (if applicable)
Ownership Structure Documentation (e.g., LLC Operating Agreement, Articles of Incorporation, Partnership Agreement)
Business Plan for Property (e.g., stabilization strategy, value-add strategy, operational plan)
Exit Strategy (e.g., plan for refinance, sale, or long-term hold with timeline)
Business Financials:
Business Financials (e.g., Last 3 Years Profit & Loss (P&L) Statements, Balance Sheets, Cash Flow Statements)
Property-Specific Documentation:
Property Rent Roll (current tenants, lease terms, rental rates)
Property Operating Statement (income, expenses, Net Operating Income - last 12-24 months)
Property Appraisal (recent or ordered, if available)
Title Report or Commitment
Phase I Environmental Report (if applicable)
Property Photos and Condition Report
Zoning and Permitting Documentation
Insurance Policies (property, liability)
Additional Collateral Details (e.g., other properties, businesses offered as collateral) on the commercial loan At Quantum Core Capital, our goal is to streamline this process and relentlessly pursue the most efficient path to funding for your project.
Phase Description Typical Duration (Estimate) What Influences This Phase
1. Initial Consultation & Prequalification
You provide us with preliminary project details and sponsor information.
1-3 Business Days Client Responsiveness: How quickly you can provide initial data. & Project Clarity: How well the project's core needs are defined.
2. Comprehensive Needs Assessment & Documentation Gathering
We work with you to understand the full scope of your needs and collect all required documentation (using our checklist).
1-3 Weeks Client Responsiveness: The most critical factor. Completeness and accuracy of submitted documents. & Deal Complexity: More complex deals (e.g., ground-up construction, unique assets, distressed properties) may require more extensive documentation.
3. Lender Matching & Submission
Our team identifies the most suitable lenders from our vast network (potentially 100+ lenders) and meticulously packages your loan request for submission.
1-2 Weeks Our Network Strength: Our ability to quickly identify the right lenders. & Deal Profile: How well the deal aligns with current lender appetites.
4. Lender Underwriting & Due Diligence
The chosen lender(s) review your package, conduct their internal analysis, and may request additional information, third-party reports (appraisal, environmental), or site visits. 3-6 Weeks Lender Bandwidth: How busy the lender's underwriting team is. & Deal Complexity: More detailed due diligence for higher-risk or unconventional deals. & Third-Party Report Timelines: Speed of appraisers, environmental consultants, etc.
5. Term Sheet / Letter of Intent (LOI) Issuance The lender provides a preliminary offer outlining key loan terms, conditions, and costs.
1-2 Weeks Lender Efficiency: How quickly their legal and credit teams draft the offer. & Negotiation: Initial back-and-forth on key terms.
6. Negotiation & Acceptance
We work with you to review the term sheet, negotiate favorable terms with the lender, and proceed to formal loan commitment. 1-2 Weeks Client Review Speed: How quickly you can review and decide. & Complexity of Terms: Number of items needing negotiation.
7. Legal Documentation & Closing
Legal counsel for both parties drafts and finalizes all loan documents. Final due diligence is completed, and funds are disbursed. 2-4 Weeks Attorney Responsiveness: Speed of legal teams. <br> Conditions Precedent: How quickly any final conditions or outstanding items can be met. & Jurisdiction: State-specific closing requirements.
Total Estimated Timeline (from initial contact to funding) 8-20 Weeks.