Flexible, Long-Term Financing for Your Business Growth
Our commercial real estate loans deliver reliable, permanent financing for stabilized properties—ideal for acquisition, refinance, or partner buyouts
Apply for a loan
Certainty of execution
with a quick yes or no, but never a maybe
Fast funding.
Close quickly to seize time-sensitive opportunities
Flexible terms.
Short-term options tailored to your timeline
No prepayment penalties.
Flexibility to refinance or sell anytime
Rates and structures vary depending on loan type and borrower qualifications
5-Year CMT + 2.00%–2.50%
Rate resets after year 5 for 10-year terms
Up to 75%
of the property’s appraised value (65% for franchised hotels and restaurants)
$1MM – $15MM
Available for stabilized, income-producing commercial properties
5 – 10 Years
Flexible terms with long amortization options
Ideal for purchasing (including partner buyouts), refinancing, or upgrading stabilized assets
We make financing simple, transparent, and fast
Step 1
Complete our online application form with basic information. Our team will review within 24 hours
Step 2
We’ll evaluate your documents and request any additional materials needed.
Step 3
Once approved, we’ll present loan terms and structure a customized financing solution
Step 4
Final documentation and closing procedures. Funds are typically disbursed within days of closing
We’ve helped businesses across industries
Our team has a longstanding history of solving complex problems
Chief Lending Officer
VP, Business Development
VP, Business Development
Find answers to common questions
Established businesses with stabilized, income-producing commercial properties, solid DSCR, proven track record, and acceptable credit/liquidity typically qualify. We underwrite to asset performance and sponsor strength.
We fund loans in the range of $1M–$15M, leverage up to ~75% LTV, and 5–10 year terms (often with 20–30 year amortization). Rates are fixed for 5 years and reset after 5 years for longer loans.
A conventional term loan is funded entirely by the lender and follows that lender’s credit box—typically faster and more flexible, but it usually requires stronger credit metrics (more equity, tighter DSCR/LTV). An SBA loan (7(a) or 504) is partially guaranteed by the SBA, which adds program rules and paperwork but enables higher leverage and longer terms—especially for owner-occupied CRE under SBA 504.
Funds from AVANA’s Conventional term loans may be used for property acquisition, refinancing, partner buyouts, or property improvements (non-ground-up construction).
Plan for ~30–45 days from LOI to close, driven by diligence (appraisal, environmental), third-party timing, and the completeness of financials.
Recent rent roll and operating statements, trailing 12 financials, three years historicals, borrower/sponsor financials, organizational docs, and property due diligence (appraisal, environmental, insurance, title).
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