Refinance your CRE to Fuel Future Growth
Refinance commercial property to lower your rate, access equity (cash‑out), or restructure existing CRE debt — with competitive commercial mortgage refinance options tailored to your goals
Apply for a loan
AVANA Capital structures CRE refinancing to match your business plan: whether you’re optimizing rate and payments, accessing equity (cash-out), or resetting terms ahead of maturity. One lender, multiple paths to the outcome you want.
AVANA offers a full suite of financing products to help your business grow
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
From $1MM to $30MM, covering a full range of commercial programs
Flexible Terms
Choose from short-term (up to 3 years) or long-term (up to 25 years) options
High Leverage
Finance up to 75% LTV or 90% total for qualifying SBA 504 structures
Market-Indexed Pricing
Tied to SOFR, CMT, or Treasury benchmarks with program-specific spreads
Extension Options
Certain short-term programs offer annual renewal or extension flexibility
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
Yes. We refinance existing CRE debt for better terms and can consider cash-out for eligible business purposes (e.g., partner buyouts, property improvements), subject to LTV/DSCR/debt-yield and overall credit.
Most refis are sized upto ~75% LTV for Conventional and Bridge loans, with a minimum DSCR around 1.25× and appropriate debt-yield. For properties eligible for SBA 504 loans, the LTV can be as high as 90%. Proceeds reflect stabilized NOI, market and comp strength, sponsor profile, and the purpose of any cash-out.
We review current balance and status, recent payment history, prepayment terms, cost basis/purchase date, and motivation to refinance. Clean history and clear rationale help speed approval and sizing.
Conventional and Bridge loans are typically floating and priced off market benchmarks like CMT or SOFR. For projects eligible for SBA 504 loans, the SBA debenture portion has fixed interest rate, while the 1st-lien is floating. Final pricing reflects market rates, risk, and structure.
Expect ~30–45 days, largely dependent on third-party reports and file completeness. To start fast, share property and loan details, ownership/guarantors, historicals/T-12, rent roll, debt schedule, and refinance specifics (motivation, current lender status, prepay terms, any cash-out use).
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