PrimeRates provides access to personalized business loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the business loan application with the lender.
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Our simple application takes less than 5-7 minutes to complete.
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Choose the offer that best fits your needs by comparing loan amounts and terms.
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Finalize your loan offer with the lender you selected to receive your funds.
Purchasing new commercial real estate is one of the first steps to starting or expanding your business. Whether you need a space to host your employees, or a warehouse to operate a company production line, it’s likely that you won’t be able to pay for this expense out of pocket. That’s where small business commercial real estate loans come in. No matter how new or small your company is, a lender can help you finance the purchase of the property that you need to move your business ahead.
As long as you’re not taking out a loan with strict usage requirements, it’s possible to use a small business loan to fund a real estate purchase. There are even lenders that specialize in issuing loans for the purpose of property purchases.
A first lien, or guarantee is required on any commercial real estate purchase. Buyers will usually have to put down between 10% and 20% of the overall cost of the property in order to finalize the purchase.
The terms of commercial real estate loans usually range from five years to 25 years, depending on the value of the property and the size of the loan.
The minimum eligibility requirements on commercial real estate loans depend on the lender and the size of the loan you’re seeking. As a general rule of thumb, having a credit score above 640, more than two years in business and an annual revenue above $50,000 will help you qualify for the best loans.
Commercial real estate loans start with annual percentage rates of 5.99% on the lowest end and can be up to 35.99% on the high end. Some loans may also fall outside of this range.
Before applying for a small business real estate loan, you’ll want to have certain documents available to ensure a smooth application process. Here’s a list of some of the documents lenders are most likely to ask you for:
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| Loan Amount: | Up To $5 Million |
| APR Range: | Up to 11.04% |
| Time To Fund: | Within 45 days |
| Loan Term: | 25 Yrs |
| How To Qualify: | 675+ Personal Credit Score $250,000+ Annual Revenue |
| Great Option For: | Borrowers With Good Credit SBA Loans |
| Click “Check Rates” to apply to SmartBiz Apply Now | |
» MORE: SmartBiz SBA Loan Review
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| Loan Amount: | $25,000 – $500,000 |
| APR Range: | 4.99% – 26.99%% |
| Time To Fund: | 10 days on average |
| Loan Terms: | Up to 5 years |
| How To Qualify: | 620+ Personal Credit Score No Minimum Annual Revenue |
| Great Option For: | Established Businesses – 2+ years in business, Not Sole Proprietors |
| Click “Check Rates” to apply to Funding Circle Apply Now | |
» MORE: Funding Circle Business Loan Review
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Typical Rates/Terms: A Certified Development Company (CDC) 504 loan is part of an SBA program designed to boost economic development within a single community. These loans are offered in quantities of $100,000, $400,000 and $500,000.
The amount of the loan that’s issued is determined by the cost of the project that it’s being used to fund. The 504 program usually requires the borrower to foot the bill for 10% of the costs, while the SBA provides 40% of the total costs and another participating lender provides 50% of the costs.
The interest rates on these loans vary and are dependent on the market rate for five-year and 10-year U.S. Treasury issues.
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» MORE: Types of SBA Loans
Typical Rates/Terms: SBA 7(a) loans are loans offered by the Small Business Administration to highly qualified and established businesses. SBA offers loans with some of the lowest APRs in the industry, with rates starting at just 5.75%. Their repayment terms can also be very flexible, with terms typically being 10 years or 25 years, depending on the amount of the loan.
Due to the extensive application process, SBA loans are not an ideal option if you’re just looking for a few thousand dollars. However, if you’re looking for a larger loan, you may be able to access up to $5 million, depending on the size of your company and your financial needs.
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» MORE: Types of SBA Loans
Whether you’re the owner of a small or a medium-sized company, it’s likely that you’ll be able to find a commercial real estate loan to fit the needs of your business. If you’re a highly qualified borrower, you might want to consider an SBA loan, which can often come with the lowest rates.
However, even if you have poor or average credit, you may still be able to find an affordable loan by applying with online lenders or your home bank. No matter what your qualifications are, however, make sure to understand your financial needs and compare multiple offers before making a final decision on the commercial real estate loan that’s right for you.
The U.S. yield curve turned positive again in June 2026 after the long 2022 to 2024 inversion. Here is what an inversion signals and where the curve stands now.
The U.S. Treasury sold $69 billion of two-year notes on June 23 at a 4.189% high yield, the highest stop since January 2025, with a 2.64 bid-to-cover and strong demand.
The two-year Treasury yield rose to its highest since February 2025 on June 22 as markets repriced toward a 2026 Fed rate hike ahead of Thursday’s May PCE report.
Who holds the $39 trillion U.S. national debt in 2026? Foreign investors own $9.35T led by Japan, the Fed holds about $4.4T, and federal trust funds hold $7.64T.
The Fed held rates at 3.50 to 3.75 percent on June 17, 2026, but its new dot plot flipped toward a 2026 hike at Kevin Warsh’s first meeting. Prime stays 6.75 percent.
Treasury sold $13 billion of 20-year bonds at a 4.927% high yield on June 16, drawing a 2.75 bid-to-cover and 71.2% indirect demand, the strongest 20-year sale since January.