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Commercial Lending Center

A diverse mix of commercial real estate loans to meet your individual needs and investment objectives.

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Call, email or request an online commercial mortgage quote. It's your choice. We're here to help.
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Commercial Mortgage Loans
Why Choose Crefcoa
Why Choose
Crefcoa has the knowledge, expertise and strategic relationships required to provide you with the most competitive rates and terms for your commercial property loan.
  • Multiple commercial financing options
  • Competitive interest rates, terms and costs
  • Knowledgeable and seasoned commercial mortgage specialists
  • Certainty of execution
  • Convenient electronic loan process saves you time and money
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Provide some basic information about the property and commercial real estate financing you’re seeking and we will provide a no cost no obligation quote.
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The Crefcoa Commercial Real Estate Lending Advantage

  • Strong origination volume enables us to negotiate the most favorable rates, terms and costs.
  • Commercial mortgage loans are available from bank, non-bank, life companies, pensions, REITs, CMBS and other institutional investors for most commercial property asset classes.
  • Over two decades of knowledge and experience ensure we close on rate, term and cost.
  • Efficient online electronic loan platform saves you time and money allowing you to concentrate on your commercial real estate investment, not on financing your investment.
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Commercial Apartment Loans

Apartment Loans

Multiple commercial mortgage programs available to help maximize the return on your apartment or multifamily property.
  • Up to 80% leverage
  • Non-recourse and assumable
  • Highly competitive fixed and floating rates

Capital Markets Loans

Capital Markets Lending

We make capital and secondary market commercial real estate financing accessible while providing certainty of execution.
  • Experience, knowledge and expertise
  • Certainty of rate, term and execution
  • Non-recourse fixed-rate debt

Banc Series Commercial Loan Program

The Banc-Series™ Commercial Loan program is a traditional commercial real estate loan program providing financing for both owner-occupied and investor properties. Refinance your commercial mortgage loan or purchase a commercial property with low fixed rates, up to 30 year terms and 75% leverage. Funded by both bank balance sheet and off-balance sheet assets, Banc Series offers several different program options - some with less restrictive underwriting guidelines - ensuring you get the commercial financing that best meets your individual needs and investment objectives.
  • Loan sizes from $500,000 - $25,000,000
  • Traditional property types only
  • 15, 20, 25 and 30 year amortizations
  • Up to 75% LTV
  • No balloons or call options
  • Multiple prepayment premium options
  • Recourse and non-recourse options
  • Two years of stabilized operating history
  • Owner occupied or investor properties
  • Minimum population requirements
  • 3, 5, 7, 10 and 15 year fixed-rate terms
  • Prime rate floating options available
  • Cash out available
  • Minimal impound reserves
  • 660 minimum credit score required
  • 1.25 minimum DSCR
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Flex Series Commercial Loan Program

The Flex-Series™ Commercial Real Estate Loan program provides flexible commercial financing options for a wider range of property types, credit profiles and documentation abilities than our conventional Banc Series program. Available for both owner-occupied and investor commercial properties, Flex Series commercial loans provide up to 90% financing (for owner occupied properties through the SBA 504 program) and up to 30 year terms, for both traditional and non-traditional properties. Refinance your commercial mortgage quicker, easier and with fewer fees.
  • Loans from $500,000 - $15,000,000
  • Traditional and non-traditional properties
  • 20, 25 and 30 year amortizations
  • Up to 90% LTV for purchases (SBA 504)
  • Cash out refinances up to 70% LTV
  • Owner occupied or investor properties
  • Full and reduced document option
  • 2, 5, 7, and 10 year fixed rate terms
  • Up to 75% LTV for debt refinances
  • Step down prepayment premium
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Small Balance Plus Commercial Mortgage Program

Small Balance Plus™ provides fast, flexible commercial financing for small commercial mortgages under $2 million. Streamlined commercial loan process saves borrowers both time and money. Up to 80% commercial financing, residential style of underwriting, reduced document requirements, and no monthly or annual reporting requirements simplify commercial lending. Refinance your commercial real estate loan through Small Balance Plus, contact us to learn more.
  • Commercial mortgages to $2,000,000
  • Up to 80% LTV
  • 10% seller seconds on a deal by deal basis
  • Up to 30 year terms
  • Residential style of underwriting
  • Reduced documentation
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California Commercial Real Estate Loan Program

Crefcoa provides commercial mortgages for traditional property types located in California through its Cal Series Commercial Loan program. This highly competitive program provides low fixed rates, ability to lock rate at application and fixed rate terms up to 15 years. Available for commercial mortgage refinancing or acquisition.
  • Commercial mortgages from $1 million
  • Fixed rate terms up to 15 years
  • Self amortizing loans - no balloons
  • Rate lock at application
  • 1.30 minimum DSCR
  • Up to 75% LTV
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Micro Equity Series

The Micro Equity Series™ is a small commercial loan program targeted towards borrowers that are unable to qualify for bank financing due to being self employed and not showing enough income on their tax returns or for low credit scores. Rates are higher than traditional bank rates, but lower than hard equity rates.
  • Commercial loans $100,000-$1,000,000
  • 25 year fully fixed rate terms
  • 3-4 week closings
  • Exception based underwriting

Stated Series

Stated-Series™ stated income commercial loans provide competitive commercial financing for borrowers requiring a reduced document or stated income option for the acquisition or refinancing of commercial property. Stated-Series™ does not require personal or business tax returns. Available for multifamily properties only.
  • Tax returns not required
  • Property's P&Ls and rent roll required
  • Personal financial statement required
  • Highly competitive rates and terms
  • Learn more about Stated Series program

Commercial mortgage loan refinance and acquisition program availability may vary depending on property type, state, population, economic conditions, exposure, and other variables that may negatively influence risk. Program rates, terms, and conditions are subject to change without notice.