Commercial Real Estate

Long-term financing for owner-occupied property

Purchase, refinance, or renovate the building your business operates from with long-term, fixed-rate financing designed around real estate — not short-term working capital.

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$250,000 – $10,000,000

Loan amount range

Funding speed6–10 weeks

Term lengthUp to 25 years

Starting rate9.25%*

Prepayment penaltyNone

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Why choose commercial real estate financing

Owning the building your business operates from builds long-term equity instead of paying rent indefinitely. This program is designed for purchasing, refinancing, or renovating owner-occupied commercial property.

Longer terms — up to 25 years — keep monthly payments manageable relative to the loan size, which is especially useful for larger real estate transactions.

What's included

Terms up to 25 years for lower monthly payments
Fixed-rate options for long-term predictability
Covers purchase, refinance, or renovation
Matched with an SBA-preferred lender from our network
Dedicated SmartBridge advisor throughout the process

Eligibility

Is commercial real estate financing right for you?

Occupancy

Property must be at least majority owner-occupied by your operating business.

Time in business

Established operating history strengthens approval odds for larger amounts.

Use of funds

Purchase, refinance, ground-up construction, or major renovation of commercial property.

Ready to see what you qualify for?

Get a free, no-obligation consultation with a SmartBridge funding advisor.

Check Your Eligibility