Commercial pricing depends on property type, DSCR, LTV, term structure, and lender. Terms often include shorter fixed periods with balloons or amortizations longer than the term. SBA and portfolio options price differently.
What drives your rate
Stronger DSCR, lower LTV, desirable property type/location, and borrower experience all improve pricing. Commercial loans frequently use 5-, 7-, or 10-year fixed periods, sometimes with a balloon.
Structure matters
Beyond the rate, the term, amortization, and prepayment terms shape your true cost. We compare bank, portfolio, and SBA structures so you optimize the whole package, not just the headline rate.
Frequently asked questions
Are commercial rates higher than residential?
Usually, and the structures differ — shorter fixed periods, balloons, and varied amortization are common.
What is a balloon payment?
A large payment due at the end of a shorter term, common in commercial loans. We’ll plan for refinance or payoff.
Do SBA loans have better rates?
SBA can offer favorable terms and lower down payments for owner-occupied properties. We’ll compare.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.