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See Today's Commercial
Real Estate Loan Rates
Whether you're buying, refinancing, or building — get transparent, up-to-date rates across every property type AVANA finances. No forms, no calls. Just real numbers to help you plan your next move
SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
What Drives Your Rate
Commercial mortgage rates are shaped by property risk, your loan structure, and live market benchmarks
Property Type
AVANA lends across 11 commercial property types. Multifamily and industrial carry tighter spreads; hospitality reflects higher operational risk in its pricing
Loan-to-Value (LTV)
The less you borrow relative to the property value, the better your rate. AVANA lends up to 75% LTV depending on asset class and deal structure
Debt Service Coverage (DSCR)
Your property's net income divided by annual loan payments. AVANA requires a minimum 1.25x DSCR — higher cash flow generally unlocks better pricing
Market Index
AVANA commercial mortgage rates are tied to the 5-Year Constant Maturity Treasury rate, published daily by the Federal Reserve. Rates adjust as the index moves
Sponsor Strength
AVANA underwrites the borrower alongside the property. Credit history, liquidity, net worth, and CRE experience all influence final rate and leverage decisions
Frequently asked questions
Find answers to common questions
How long does it take AVANA to close a commercial real estate loan?
AVANA issues a term sheet within 24–48 hours of a complete deal submission — before you commit to appraisal or third-party report costs. Conventional and bridge loans typically close in 30–60 days from a full application. SBA 504 loans take longer due to SBA processing. Hospitality and construction deals may require additional time depending on project complexity.
How much can I borrow, and what impacts leverage?
Loan sizes typically range from $1MM–$30MM. Leverage is generally up to ~75% LTV for conventional and bridge loans, and can be as high as 90% for owner-occupied properties that quality for SBA 504. Final proceeds depend on asset quality, market strength, tenant/NOI durability, and sponsor profile.
What documents do I need to get a loan?
To start, AVANA typically needs a recent tax return or financial statement and trailing 12-month financials for the property. As the deal moves forward, you'll also provide personal financial information for each guarantor and any property-specific documents relevant to your loan type. Your AVANA loan officer will send a tailored checklist once you submit — no guesswork required.
I'm a broker — how does AVANA's broker program work?
AVANA works actively with commercial mortgage brokers and CRE advisors nationwide. As a referring broker, you get a dedicated AVANA relationship manager, fast term sheets, and competitive referral compensation paid at closing. AVANA protects your client relationship throughout the process and does not originate directly against broker-submitted deals. Use the "Refer a Deal" button at the top of this page or contact your AVANA broker representative directly.
Get Pre-Qualified Now
The rates on this page are starting points. Your actual rate depends on your property, your loan amount, and your financials. Complete a short online form to share your property details, capital needs, and timing