COMMERCIAL REAL ESTATE LOANS

Expand your business
with a commercial
property loan.

Secure the funding you need to grow your business with our commercial real estate loan solutions.

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Commercial mortgage financing built around your business.

Whether refinancing, purchasing or remodeling, our commercial real estate loans could help you find the right solution.

Tax advantages1

Owning commercial property may provide depreciation-related tax benefits while giving your business the opportunity to build equity if the property’s value increases.

Competitive interest rates

We offer competitive commercial mortgage rates on our real estate loans, which may help businesses reduce their overall borrowing costs.

Flexible term lengths

Commercial real estate loans from U.S. Bank offer flexible term lengths of 5, 10 or 15 years. This allows borrowers to tailor their loan to match their cash flow and investment strategy.

Dedicated bankers

Our team of dedicated bankers work closely with you to understand your business needs. Experience smooth loan closing, ongoing loan servicing and access to a wide variety of products.

Compare owner-occupied commercial real estate and investment property loans

Loan features

Owner-occupied commercial loans

Investment property loans

Best for

Businesses that primarily occupy the property they are financing, such as office buildings, medical offices, or warehouses.

Investors purchasing commercial real estate that generates rental income from tenants, such as multi-tenant office buildings, warehouses, and mixed-use properties.

Loan terms
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Up to 80% loan-to-value ratio
  • Variable and fixed rates available
  • Real estate secured line of credit option
  • 25-year loan option and up to 90% loan-to-value with SBA financing
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Variable and fixed rates available

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Loan features

Best for

Owner-occupied commercial loans

Businesses that primarily occupy the property they are financing, such as office buildings, medical offices, or warehouses.

Investment property loans

Investors purchasing commercial real estate that generates rental income from tenants, such as multi-tenant office buildings, warehouses, and mixed-use properties.

Loan features

Loan terms

Owner-occupied commercial loans
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Up to 80% loan-to-value ratio
  • Variable and fixed rates available
  • Real estate secured line of credit option
  • 25-year loan option and up to 90% loan-to-value with SBA financing

Investment property loans
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Variable and fixed rates available

Loan features

Connect with us

Owner-occupied commercial loans

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Investment property loans

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Refinancing options

Refinancing your commercial real estate loan may lower your monthly payment, increase your cash flow or modify your loan terms to fit your business. Contact our local experts to learn more.

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Common questions about commercial real estate loans

A commercial real estate loan from U.S. Bank can finance a variety of property types, including:

  • Office buildings and office condos
  • Retail and storefront space
  • Industrial and warehouse properties
  • Multifamily and apartment buildings
  • Mixed-use properties
  • Owner-occupied commercial buildings, where your business occupies at least 51% of the space

Use a commercial real estate loan to purchase a property, refinance an existing loan, or tap into equity you've already built. U.S. Bank offers both owner-occupied and investment property loan options. Talk to a banker about how you plan to use the space.

Yes, you may use an owner-occupied commercial real estate loan to purchase a mixed-use property if your business occupies at least 51% of the property's space.

Owner-occupied commercial real estate loans are often used for office buildings, medical practices and industrial warehouses.

Commercial real estate financing typically starts with an application, where you share information about your business, finances and the property. From there, the lender may review your credit, business financials, property details and collateral, then order an appraisal or other due diligence to help determine the property’s value and loan eligibility. If the loan is approved, you’ll review the final terms and complete the closing process.

Commercial mortgage terms vary by loan type, property use, borrower qualifications and use of funds. We offer commercial real estate loan terms of 5, 10 and 15 years, with amortization up to 25 years. SBA financing may include a 25-year loan option for qualified borrowers.

While requirements may vary depending on the property and financing structure, we'll generally ask for information about your business, your finances, and the property you plan to purchase or refinance.

Your banker will guide you through the process and let you know what information is needed based on your specific situation. Having recent financial information available can help make the process smoother and keep things moving forward.

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Disclosures

  1. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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Financing maximums and terms are determined by borrower qualifications and use of funds.

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.