Property economics
Rent roll, expenses, debt service, capital needs and market position.
Home / Commercial Lending
Commercial Lending
Capital for the property, the sponsor and the plan.
Commercial real estate, multifamily with 5+ units, owner-occupied business premises, construction, land, bridge, SBA and private-credit channels subject to lender and jurisdiction eligibility.
Eligible jurisdictions nationwide · Nevada commercial property inquiries are not accepted through this website
The RedZone approach
A commercial loan is a capital-stack decision.
Property cash flow matters. So do sponsorship, liquidity, experience, construction risk, recourse, covenants, deposits, third-party reports and the exit. RedZone starts with the full transaction before deciding which lender class belongs in the conversation.
Sponsor strength
Experience, liquidity, net worth, guarantees and execution history.
Capital stack
Senior debt, equity, subordinate capital, reserves and contingency.
Exit credibility
Permanent refinance, stabilization, sale, business cash flow or another supportable takeout.
Nevada Commercial Property Notice
Commercial mortgage services advertised through this website are not offered for commercial real property located in Nevada unless the transaction is handled exclusively by an appropriately licensed or exempt Nevada mortgage company and a properly sponsored Nevada-licensed mortgage loan originator. Separate business-purpose financing may be available for qualifying residential investment properties.
Relevant financing lanes
Products are tools. Structure is the strategy.
Availability, documentation and terms vary. These pages explain the likely use, limits and questions that should be answered before a transaction moves.
Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel
Commercial Real-Estate Loans
Capital for eligible income-producing or owner-occupied commercial property, matched to property economics, sponsorship and business plan.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelMultifamily Financing
Financing for eligible apartment and multifamily properties, from small-balance acquisitions to larger stabilized or transitional assets.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelMixed-Use Financing
Financing for eligible properties combining residential and commercial uses under one collateral and operating plan.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelOwner-Occupied Commercial Real Estate
Financing for eligible real estate occupied by the borrower’s operating business.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelCommercial Construction Loans
Construction financing for eligible income-producing or owner-occupied commercial projects.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelCommercial Bridge Loans
Short-term commercial debt for eligible acquisition, stabilization, lease-up, renovation or another defined transition.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelSBA 7(a) Financing
Government-guaranteed small-business financing that may support eligible business acquisition, real estate, working capital and other approved uses through participating lenders.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelSBA 504 Financing
Long-term fixed-asset financing delivered through an eligible lender and Certified Development Company structure for qualifying owner-occupied projects.
Explore this lane →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channelPrivate-Credit Solutions
Non-bank commercial capital for eligible transactions requiring speed, complexity tolerance, transitional leverage or flexible structuring.
Explore this lane →How the file gets built
Clarity before velocity.
- 01Screen jurisdiction and property
Location, asset type, use, unit count and licensing eligibility come first.
- 02Build sources and uses
Purchase, payoff, construction, fees, reserves, equity and contingency.
- 03Underwrite the sponsor and asset
History, projections, guarantors, tenants, collateral and market.
- 04Match the lender class
Bank, SBA, bridge, private credit, agency or specialty capital.
Bring us the whole picture