Owning or refinancing commercial real estate can transform your business balance sheet and long-term wealth strategy.
Swift Line Capital specializes in helping business owners and investors structure commercial real estate loans that align with their income, cash flow, and expansion goals.
Whether you’re acquiring an office building, developing a multi-tenant retail space, or refinancing an existing property, we connect you to nationwide lending partners who offer competitive rates and tailored terms.
Our team manages the details—so you can focus on what matters: building assets, improving cash flow, and protecting your equity.
Types of Commercial Real Estate Financing
We offer a broad range of solutions through our lender network, designed to meet your property and business needs.
- Acquisition Loans
Ideal for purchasing office buildings, warehouses, industrial properties, or mixed-use developments.
Programs can cover up to 85% of property value depending on type and borrower qualifications. - Refinance Loans
Replace high-interest or short-term debt with long-term, lower-rate financing.
Refinancing can reduce payments, release trapped equity, or consolidate multiple notes. - Construction Loans
Structured for ground-up development or major renovations, these loans often convert into permanent financing after completion. - Owner-Occupied Loans
Perfect for businesses buying their own premises. By owning rather than leasing, you control your costs and capture appreciation over time. - Investment Property Loans
Designed for income-producing assets such as apartment buildings, retail centers, and storage facilities.
Swift Line Capital’s team will guide you through underwriting, appraisal, and closing—ensuring your loan matches both short-term goals and long-term ROI.
Typical Loan Terms
• Loan amounts: $100,000 to $10 million (and higher for qualified borrowers)
• Terms: 5–25 years
• Rates: Typically 6%–10%, fixed or adjustable
• LTV (Loan-to-Value): Up to 85%
• Amortization: Up to 25 years
• Collateral: The property being financed
Each transaction is structured around the unique characteristics of your property and income model. Swift Line Capital helps evaluate all options, including SBA 504 and 7(a) programs for owner-occupied properties.
Ideal Borrowers
Commercial real estate financing is well-suited for:
• Established businesses seeking to own their facilities
• Investors acquiring or refinancing income properties
• Developers constructing new buildings or major renovations
• Entrepreneurs with strong cash flow who want long-term fixed-rate security
Our advisors review your business performance, property type, and regional market to present qualified loan structures that match your growth trajectory.
Benefits of Commercial Real Estate Financing
• Build long-term wealth by converting rent into equity
• Protect against inflation through fixed-rate debt
• Unlock equity through refinancing or cash-out programs
• Benefit from potential tax deductions for interest and depreciation (consult your CPA)
• Increase your business’s asset base and overall valuation
Swift Line Capital believes commercial property ownership should enhance—not burden—your operations. We help ensure every term supports your profitability and stability.
Example Scenario
A logistics company leases a 20,000-square-foot warehouse for $18,000 per month. Swift Line Capital arranges an SBA 504 loan for $3.2 million at a fixed 6.25% rate, allowing the company to purchase the property outright.
Their monthly mortgage payment drops to $15,200, saving nearly $34,000 annually while converting every payment into long-term equity.
Five years later, the building’s appraised value increases to $4.1 million, creating over $900,000 in equity gain—all while maintaining consistent occupancy.
How It Compares
| Feature | Commercial Real Estate Loan | SBA 504 Loan | Business Term Loan |
|---|---|---|---|
| Use | Property purchase/refinance | Owner-occupied property | General business expansion |
| Term | 5–25 years | Up to 25 years | 1–10 years |
| Collateral | Property itself | Property itself | Sometimes required |
| Rate | Fixed or adjustable | Fixed | Fixed or variable |
| Loan Size | $100K–$10M+ | Up to $5.5M | Up to $2M |
Frequently Asked Questions
1. What types of properties qualify?
Commercial, industrial, retail, mixed-use, and multifamily properties typically qualify. Raw land and specialized assets may require alternative programs.
2. Can I get 100% financing?
Full financing is rare, but combined SBA programs or seller participation can reduce down payments significantly.
3. How long does approval take?
Depending on property type and documentation, approvals usually take 3–6 weeks.
4. Can I refinance an existing property?
Yes. We help many clients lower rates, access equity, or convert short-term bridge loans into permanent financing.
5. What documents are required?
Property appraisal, rent roll, tax returns, financial statements, and lease agreements are typically required. Our advisors help gather and prepare all materials.
Apply Now
Owning commercial real estate is one of the most powerful ways to grow wealth and control your business environment.
Swift Line Capital’s advisors will evaluate your property, structure competitive loan terms, and guide you from application to closing.
