Commercial Financing
Commercial Loans
Financing for Business and Investment Property Plans
Commercial loans can support a wide range of property plans, from purchasing and improving a business property to building something new or expanding an investment portfolio. Whether the next step involves one project or a broader real estate vision, commercial financing can help bring the plan into focus. Bond Street Mortgage provides personalized guidance so borrowers can explore an option that aligns with the property and their goals. Browse all mortgage types.
Explore Our Commercial Loan Options
Each commercial loan option is designed to support a different kind of property plan. Explore the options below to learn more about the path that best fits your next project.
Fix N Flip
A focused financing option for investors planning to purchase, improve, and reposition a property for its next chapter.
Learn More →Ground Up Construction
A financing option for bringing a property vision from the earliest construction stage through completion.
Learn More →Commercial DSCR
A property-focused financing option for investors building or expanding an income-producing real estate portfolio.
Learn More →Understanding Commercial Property Financing
Commercial financing is built around the purpose of the property and how it is expected to perform over time. Lenders typically review both borrower experience and property-level details such as income, expenses, and intended use. Exploring options early can help clarify which path aligns with a given acquisition, renovation, or construction plan.
Matching the Loan to the Project
Short-term projects such as repositioning an asset may call for different structures than ground-up development or long-term income properties. Fix-and-flip, construction, and DSCR-oriented programs each reflect a different balance of project scope, hold period, and documentation. Comparing programs side by side can make the tradeoffs easier to discuss with an advisor.
Working With Bond Street Mortgage
Bond Street Mortgage advisors help investors and business owners walk through available commercial paths, gather relevant documentation, and understand how lender guidelines may apply to a specific scenario. Educational conversations focus on fit and process—not guarantees of approval, pricing, or timing.
Speak With a Mortgage Advisor
Questions about commercial financing for your next property or project? Connect with a Bond Street Mortgage advisor for guidance tailored to your goals.
Find an Advisor Contact UsFrequently Asked Questions - Commercial Loans
Commercial loans are debt financing products designed specifically for income-generating properties rather than personal residences. Lenders evaluate both the creditworthiness of the investor and the property's potential to generate sufficient rental income to cover loan obligations. Funding can be utilized to acquire, refinance, or renovate assets such as apartment buildings, retail centers, and multi-family complexes. At Bond Street Mortgage, financing structures are tailored to help real estate investors scale their property portfolios efficiently.
The fundamental difference lies in property type, evaluation criteria, and borrower structure. Residential mortgages finance one-to-four unit residential properties where underwriting relies heavily on personal income and W-2 documentation. Commercial loans fund properties with five or more units or commercial business real estate, placing primary emphasis on property cash flow. Additionally, commercial loans are frequently held by corporate entities such as LLCs rather than individual borrowers. Bond Street Mortgage guides investors through these distinctions to secure optimal financing structures.
Debt Service Coverage Ratio (DSCR) measures a commercial property's net operating income relative to its annual debt obligations. Lenders use DSCR to assess whether rental income is likely to support debt payments on income-producing assets. Bond Street Mortgage helps investors understand how DSCR fits into program selection and property planning.