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.
Our eligibility criteria
Asset Classes We Finance
AVANA lends across 15 commercial property types, covering the most active segments of the U.S. CRE market. Eligibility depends on loan purpose — most asset classes qualify for acquisition and refinance financing, while construction lending is available for select property types through our specialized AVANA–IHG program. Use the table below to confirm your property type and intended use.
✓ Eligible | ✗ Not applicable
| Asset Class | Acquisition | Refinance | Construction |
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Assisted Living / Skilled Nursing |
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Automotive Repair / Service |
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Auto Sales |
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Education / Day School / Daycare |
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Healthcare |
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Hospitality |
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Industrial |
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Medical Office |
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Mini / Self Storage |
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Mixed Use |
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Multi-Family |
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Office |
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Restaurant |
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Retail |
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Other |
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This list reflects our current lending focus and may change over time. If you have questions about a property type not listed here, reach out to our team for a quick eligibility read.
What We Look for in a Borrower
AVANA underwrites the borrower alongside the property. While every deal is evaluated on its own merits, the following criteria represent general thresholds across our loan programs
Credit Profile
A guarantor FICO score of 680 or higher is generally required. Stronger credit histories may unlock better pricing and higher leverage
CRE Experience
Relevant experience in commercial real estate or in the specific industry related to the property (e.g., hospitality, healthcare, manufacturing)
Entity Structure
Loans are made to business entities. Your borrowing entity should be a legally recognized U.S. business structure such as an LLC, LP, corporation, etc.
Debt Service Coverage
A minimum DSCR of 1.25x is required on most programs — meaning net operating income must cover annual debt payments by at least 125%. Hospitality and higher-risk asset classes may require 1.35x–1.45x. Stronger coverage generally results in better terms.
Liquidity & Net Worth
Borrowers should have sufficient post-closing liquidity to cover debt service, operating reserves, and unforeseen costs. Minimum thresholds vary by program and deal size, but net worth relative to the loan amount is a factor in every credit decision
Frequently Asked Questions
Find answers to common questions
If your asset class doesn’t appear in the table above, it may still qualify depending on the specifics. Contact our team with basic property details and we’ll give you a quick eligibility read — typically within one-two business days.
A 680 FICO is our general threshold, but borrowers with scores slightly below may qualify if compensating factors are present — such as strong liquidity, significant CRE experience, or a lower-leverage deal structure. Every deal is evaluated individually.
AVANA’s general minimum is $1,000,000 across all programs. The bridge (AVANA–Oaktree) and construction (AVANA–IHG) programs have a $5,000,000 minimum.
Submit our online application with basic property and borrower details. Our team reviews every submission within 24-48 hours and responds with an eligibility assessment and recommended next steps.