Commercial Real Estate for businesses ready to own their space, or expand beyond it.
Creative-Fi arranges commercial real estate financing through a network of banks and lending partners, with fast approval and fast funding.
No documents to start · No credit pull · No obligation
“Real estate can be a business asset, an investment asset, as well as an estate planning tool.”
Managing Director, Real Estate Investment Management, Bank of America Private Bank
Built around the property.
Buying, building, refinancing, or bridging. We match the structure to the deal.
SBA 504
Government-backed, long-term, fixed-rate financing for owner-occupied commercial property. Often the lowest cost path to ownership.
New construction
Ground-up construction financing, structured to convert to permanent financing once the building is complete.
Refinance
Replace an existing commercial mortgage with better terms, or cash out equity for other business needs.
Investment properties
Financing for non-owner-occupied commercial property held for income or appreciation.
Bridge loans
Short-term financing to close quickly while permanent financing, a sale, or a refinance comes together.
Acquisitions
Financing to purchase an existing commercial property, with or without an operating business attached.
What owning changes.
Lower risk, better terms
Businesses that occupy their own space are viewed as lower default risk, often qualifying for more favorable rates than investors.
Collateral for growth
Property ownership can support future borrowing capacity, giving your business collateral to access more financing as it grows.
Cost stability
Owning locks in fixed real estate costs, protecting the business from rent increases at every lease renewal.
Tax deductions
Ownership unlocks depreciation, mortgage interest, and property tax deductions that leasing doesn't offer.
Sources: Popular Bank, Sunwest Bank, Bank of America, and the Internal Revenue Code. Creative-Fi does not provide tax advice; confirm any deduction with your own accountant.
Where CRE financing fits.
- You're buying, refinancing, or building owner-occupied or investment property
- You'd rather build equity in a property than keep paying rent on it
- You want owner-occupied and investment structures compared side by side
- You need to close on a timeline a conventional bank can't match
Straight answers.
How much cash will I need to bring to the closing table?+
It depends on the property, how much of it your business will occupy, and which lender takes the file. Owner-occupied deals generally call for less cash than investment purchases, and some structures let a portion of the project cost, including certain soft costs, sit inside the financing. Because the answer moves with the structure, we price a deal several ways before you commit to one.
Can I finance an investment property, not just where my business operates?+
Yes. Investment property financing is available for non-owner-occupied commercial real estate held for income or appreciation, through a different set of lending partners than owner-occupied programs like SBA 504.
How does a bridge loan work?+
A bridge loan is short-term financing that lets you close now, on an acquisition, a time-sensitive opportunity, or while a sale or refinance is in progress, and is typically repaid or replaced by permanent financing within months to a couple of years.
What documentation is typically required?+
Expect a property appraisal, title work, business and personal financials, and, for owner-occupied deals, documentation showing the business's use of the space. We'll tell you exactly what's needed for your specific file.
How long does commercial real estate financing take to close?+
It varies by structure. A bridge loan can close in a few weeks, while SBA 504 and new construction typically take longer due to appraisal, title, and government processing timelines. We'll give you a realistic estimate once we understand the deal.
Ready to see your actual options?
No documents, no credit pull, no obligation. Tell us about the property and we'll tell you, plainly, what fits.