Apply for a Commercial Real Estate Loan
Complete a quick online form to begin your application. Our team will review your details and guide you every step of the way.
Indices as of —
Rates update daily · Not a commitment to lend
Live Market Indices
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Commercial Loan Rate Sheet
Rates subject to credit approval and market conditions
| Property Type | Interest Rate | Max LTV | Max Amort | Min DSCR |
|---|---|---|---|---|
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Key Factors Behind Your Rate
Several variables work together to determine your commercial mortgage pricing — here's how each one affects the final number
Asset Class
We finance different commercial property types. Stabilized assets like multifamily and industrial typically price at narrower spreads, while operationally complex sectors like hospitality carry wider margins
Leverage (LTV)
Lower leverage generally means better pricing. Maximum loan-to-value reaches 75% on most conventional deals and can go as high as 90% through the SBA 504 program
Cash Flow Coverage
We measure the property's net operating income against its annual debt payments. A baseline DSCR of 1.25x is required on most programs — stronger coverage often translates to tighter pricing
Benchmark Index
Our conventional loan rates track the 5-Year Constant Maturity Treasury, a daily benchmark published by the Federal Reserve. When the index shifts, your indicative rate moves with it
Borrower Profile
We evaluate the sponsor alongside the real estate. Your credit history, available liquidity, net worth, and track record in commercial property all factor into the final rate and structure
Frequently Asked Questions
Find answers to common questions
Expect a term sheet within 24–48 hours of a complete submission — before you commit to appraisal or report costs. From there, conventional and bridge transactions generally close in 30–60 days. SBA 504 deals require additional government processing time, and hospitality or construction projects may extend further depending on complexity. See full process
We finance deals ranging from $1 million to $30 million. Conventional and bridge programs support up to roughly 75% LTV, while owner-occupied properties eligible for SBA 504 can reach 90% combined financing. Actual proceeds are shaped by asset quality, market dynamics, income stability, and the borrower’s overall profile.
At the outset, we typically ask for a recent tax return or financial statement along with trailing 12-month operating data for the property. As diligence progresses, personal financial details for each guarantor and loan-specific documentation will be requested. Your AVANA contact will provide a tailored checklist once your application is in — nothing is left to guesswork. See documents we may ask for
We partner with commercial mortgage brokers and CRE advisors across the country. Referring brokers receive a dedicated AVANA relationship manager, rapid term sheets, and competitive referral fees paid at closing. We safeguard your client relationship throughout and do not originate against broker-submitted opportunities.