COMMERCIAL LOANS
We offer a range of commercial real estate loans suitable for almost every situation. Let us find the perfect loans for your requirements.
SBA 7a/504 LOANS
When you need finance for your small business to develop we make your SBA loan application a quick, simple and stress free process.
CONSTRUCTION FINANCING
Our construction finance options include Construction to Mortgage Loans and a number of other options to help support your building or modernization project.
LOAN PROCESS
Your loan application will be processed by one of our expert consultants leaving you free to concentrate the development of your business.
Commercial Financing
Realize the full potential of your commercial real estate with customized commercial financing options.
Investment Properties
Almost every business needs some kind of real estate in order to have somewhere to operate the business from but few businesses can afford to purchase real estate outright. With a range of commercial real estate products available through our carefully selected partners we are sure to find a loan to meet your specific requirements. Whatever type of investment property loan you are looking for we can help including:
- Office / Administration Centre
- Apartments
- Warehouse
- Storage
- Retail Space
Owner-Occupied Business
Should you own a business where you live in the property or part of the property from where your business runs we have a range of loans available to you. These include a range of loan options suitable for nearly everyone’s requirements. These loans offer a number of benefits such as:
- Providing real estate suitable for your business and personal requirements
- Flexibility in the type of property that is purchased under these loans
- A range of SBA and non-SBA loan options
- A high percentage of loan to property value financing
Capital Markets – Conduit Loans
At Cornerstone Capital Lending we can offer a selection of Capital Market loans offering you a suitable long term financing options for commercial real estate debt and equity offering some of the lowest rates and costs available. We find a solution that meets your requirements at an affordable cost over the long term. These loans are ideal for financing:
- Hotels and motels
- Multi-family real estate
- Medical Buildings
- Apartment Complexes
SBA 7(a) and SBA 504 Loans
Maximize your multifamily investment with an apartment loan that meets your specific goals and objectives.
Our network of lenders are authorized and regulated by the Small Business Administration (SBA) to process both SBA 7(a) loans and 504 loans for your business requirements. There are a number of differences between these two loans and it is important to understand these differences. The main practical difference is how the proceeds for each loan can be used.
SBA 7(a) Loans can be used for:
- Purchasing Stock Items
- Covering essential running expenses
- Consolidating or refinancing certain existing business debts
SBA 504 Loans can be used for:
- Purchasing Business Real Estate
- Modernizing existing Real Estate
- Infrastructure improvement such as landscaping or parking lots
Both of these loans are not intended to be short term solutions and you will need to demonstrate that you cannot finance these costs yourself and that you have made every effort to secure alternative financing. Of course, this is where Cornerstone Lending can help you.
We will make every effort to secure you a conventional loan before suggesting an SBA loan unless it is clear from the outset that an SBA 7(a) or 504 is going to be the most appropriate financing route for your business. For example, an SBA 7(a) can in exceptional circumstances be used to pay off existing debts where there is a real threat of bankruptcy to the company.
Whatever your SBA loan requirements your Cornerstone Lending consultant will support you through the process to give you every chance of making a successful application.
Cornerstone Capital Lending’s Commercial Financing Process
Commercial Mortgage Knowledge Center
What is the debt service coverage ratio (DSCR) How to calculate the debt service coverage ratio (DSCR) Close your commercial apartment loan or commercial mortgage quicker How to Determine a property’s value using the gross rent multiplierVisit our mortgage loan calculator here