Commercial Real Estate Loans

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.

Transform Your Business with Strategic Property Financing

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.

Why Commercial Real Estate Ownership?

Owning or refinancing commercial real estate can transform your business balance sheet and long-term wealth strategy. Whether you’re acquiring, developing, or refinancing, we connect you to nationwide lending partners with competitive rates and tailored terms.

Build Long-Term Wealth

Convert rent into equity and capture property appreciation

Protect Against Inflation

Lock in fixed-rate debt and control your costs

Expert Guidance

We manage the details from application to closing

Types of Commercial Real Estate Financing

A broad range of solutions through our lender network, designed to meet your property and business needs

Acquisition Loans Up to 85% LTV

Purchase office buildings, warehouses, industrial properties, or mixed-use developments

Refinance Loans Equity release available

Replace high-interest debt with long-term, lower-rate financing to reduce payments

Construction Loans Development focused

Ground-up development or major renovations with conversion to permanent financing

Owner-Occupied Loans SBA programs available

Own your premises instead of leasing—control costs and capture appreciation

Investment Property Loans Cash flow based

Income-producing assets: apartments, retail centers, and storage facilities

Typical Loan Terms

Each transaction is structured around your property’s unique characteristics and income model

Loan Amounts

$100K - $10M+

Higher for qualified borrowers

Terms

5 - 25 years

Flexible term lengths

Interest Rates

6% - 10%

Fixed or adjustable

LTV Ratio

Up to 85%

Loan-to-Value

Amortization

Up to 25 years

Long-term structure

Collateral

Property

The financed property

Real Results: Logistics Company Success Story

See how one company transformed their operations with strategic property financing

The Challenge

A logistics company was leasing a 20,000-square-foot warehouse for $18,000 per month—over $216,000 annually in rent with zero equity growth.

The Solution

Swift Line Capital arranged an SBA 504 loan for $3.2 million at a fixed 6.25% rate, allowing the company to purchase the property outright.

The Results

How It Compares

Understanding your options helps you make the best financial decision
Feature
Commercial RE 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

Quick answers to common questions about commercial real estate financing

Commercial, industrial, retail, mixed-use, and multifamily properties typically qualify. Raw land and specialized assets may require alternative programs.

Full financing is rare, but combined SBA programs or seller participation can reduce down payments significantly.

Depending on property type and documentation, approvals usually take 3–6 weeks.

Yes. We help many clients lower rates, access equity, or convert short-term bridge loans into permanent financing.

What documents are required?

Ready to Own Your Commercial Property?

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.