MBReviewed by Mike Basti, Mortgage Broker & Founder · NMLS #377740
Quick Answer
Commercial loans finance office, retail, industrial, multifamily (5+), and mixed-use properties, typically with 20–35% down and underwriting on the property’s cash flow (DSCR). Owner-occupants may use SBA.
The essentials
Below are the most common questions. For a deal review and term options across multiple lenders, a quick call is all it takes.
Frequently asked questions
What counts as commercial?
5+ unit multifamily and non-residential property (office, retail, industrial, mixed-use).
How much down do I need?
Commonly 20–35%, less for owner-occupied SBA deals.
Can I close in an LLC?
Yes — commercial loans routinely close in entities.
How long does it take?
Often 45–60+ days given the added due diligence.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.