Own the roof over your business.
Purchase, refinance, or cash out commercial property — owner-occupied or investment. Long amortizations and property-secured rates make this the lowest-cost way to put real estate on your balance sheet.
- Amount
- $100K–$10M
- Term
- 5–30 yr
- Min credit
- 660+
- Funded in
- 3–8 weeks
Is this the right tool?
We earn more on some products than others — so the only way you can trust a recommendation is if we tell you when to walk away. Here is exactly who this is, and isn't, for.
- You’re buying, building, or refinancing commercial property
- The property’s income comfortably covers the debt (DSCR 1.2+)
- You want a long amortization and a low, secured rate
- You can wait several weeks for appraisal and closing
- You need working capital, not propertyBetter fit: SBA 7(a) →
- You need money in daysBetter fit: Term Loan →
- The deal is under $100KBetter fit: Term Loan →
What it actually costs.
One worked example, every line shown — including what we earn. No teaser rate, no fine print. Want to run your own numbers? The calculator does it live.
CRE pricing is quoted in points — a percentage of the loan paid at closing. Emet’s share comes out of those points and is shown on your term sheet, never added on top. Title and appraisal costs are separate and disclosed up front.
Eligibility & documents.
The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.
- 660+ personal credit
- Property DSCR of 1.2 or higher
- 2+ years operating history (owner-occupied)
- Down payment / equity of 20–30%
- Driver’s license & voided check
- Purchase contract or current mortgage statement
- Rent roll and property operating statements
- Last 2 years business & personal tax returns
- Property appraisal (ordered after offer)
- STEP 1Apply4 minutesSoft pull, no score impact
- STEP 2Term sheet3–5 daysRate, points, and structure
- STEP 3Appraisal2–5 weeksProperty and income verified
- STEP 4Close3–8 weeksFunds at the closing table
Compared with the alternatives.
The two products people weigh this against most often. Same numbers as our Rate Library, so the comparison is apples to apples.
Commercial Real EstateThis page Property-secured | SBA 7(a) Government-backed | Term Loan Fixed installments | |
|---|---|---|---|
| Rate | 6.9–12.5% APR | 6.5–11.5% APR | 8.9–24.9% APR |
| Amount | $100K–$10M | $50K–$5M | $25K–$500K |
| Funded in | 3–8 weeks | 2–6 weeks | 1–3 days |
| Best for | Buying property | Lowest rate, big projects | Predictable lump sum |
| Apply now → | View SBA → | View Term → |
Questions, answered.
Owner-occupied or investment property?
Both qualify. Owner-occupied deals (you operate from the building) often get the best rates; investment and mixed-use are underwritten on the property’s rental income.
What is DSCR and why does it matter?
Debt-service coverage ratio is the property’s net income divided by its loan payment. At 1.2, the property earns 20% more than the payment — most lenders want at least that.
How much down payment do I need?
Typically 20–30% equity, depending on property type and your profile. SBA 504 structures can go lower if you qualify, which we’ll raise if it fits.
What does Emet earn?
0.5–1.5% in points, paid at closing and disclosed on the term sheet. It comes out of the points you already see — never added on top.
How long does closing take?
Three to eight weeks, driven mostly by appraisal and title. If you need capital sooner, a term loan can bridge the gap while the property deal closes.
See your real rate today.
Answer seven questions and we’ll shop 40+ lenders for you — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.