Commercial Real Estate Loans for Growing Businesses

Commercial Real Estate Loans — With a Soft Quote in 1-2 Business Days

Buy, build, or refinance the property your business runs on. Through AVANA and our national lender network, you get commercial real estate loans that pair competitive, market-indexed pricing with structures built around your cash flow

Apply for a Loan →Schedule a Call

Since 2002 · $6.5B+ Funded · $1B AUM

Commercial Real Estate Financing with AVANA Companies

Commercial real estate loans provide capital to buy, build, or refinance the income-producing and owner-occupied properties that power your business. Structured around your operating performance, CRE financing helps you secure the right space, optimize debt service, and build long-term equity in your real estate.

We work with business owners and real estate sponsors who need more than a standard loan. By combining private-credit capital with a relationship-driven approach, we help you move quickly and structure debt that fits your long-term plan — backed by a platform that has funded $6.5 billion+ since 2002.

Use it your way

Fund acquisitions, refinancing, construction, or partner buyouts across a wide range of asset types

Know where you stand, fast

Get a quick read on eligibility and a clear, actionable term sheet, so you can move confidently into pre-construction and construction

Debt service that fits the plan

Long-term amortization on permanent loans; interest-only options on many short-term structures

Fair, transparent pricing

Interest rates are tied to benchmarks such as SOFR, CMT, or U.S. Treasuries, with program-specific spreads

Relationship-driven support

Work with a team that stays engaged from initial structuring through closing and beyond.

Commercial Real Estate Loans

AVANA Companies offers a full suite of CRE loan programs to match your project’s stage and strategy. The same team can help you evaluate multiple options and select the structure that best supports your goals.

Man and woman working together at a laptop in a plant-filled workspace with shelves behind them.

SBA 504 Loans

Long-term financing — up to 90% — to help business owners acquire, expand, or refinance owner-occupied commercial real estate

Explore SBA 504 Program →

Conventional Term Loans

Long-term financing for stabilized, income-producing assets. Ideal for acquisition, refinancing, or property improvements

Explore Conventional Program →

Modern twin glass skyscrapers connected by a curved sky bridge against a clear blue sky.

Bridge Loans

Short-term capital to bridge the gap between transactions or support a property transition until permanent financing is secured

Explore Bridge Program →

Construction Loans

Financing for ground-up construction and major improvements, with draws tied to project milestones and a clear path to permanent take-out

Explore Construction Program →

Core Commercial Real Estate Loan Terms

Our CRE loan terms are built to support a broad range of project sizes and strategies while maintaining disciplined credit standards.

Loan Sizes

From $1MM to $30MM, covering a full range of commercial real estate programs.

Terms

Choose between short-term loans up to 3 years (often interest-only) or long-term loans up to 25 years, depending on the program and property profile.

Leverage

Finance up to 75% loan-to-value (LTV) on many conventional and bridge structures, or up to 90% total financing for qualifying SBA 504 executions.

Pricing

Rates are tied to benchmarks such as SOFR, Constant Maturity Treasury (CMT), or Treasuries, with program-specific spreads to reflect risk, term, and structure.

Extension Options

Certain short-term programs may include annual renewal or extension options, subject to performance and lender approval.

Uses of Proceeds

Acquisition & Partner Buyouts, Refinance, Construction & Major Improvements

A fit if you're: an experienced sponsor (5+ years), 680+ FICO, financing a $1M–$30M income-producing or owner-occupied property, and comfortable with a full-recourse guaranty.

Wide Range of Asset Types

Franchised Hotels

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Franchised Restaurants

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Industrial

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Manufacturing Facilities

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Medical Offices

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Mixed-use

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Multifamily

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Retail

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Self-Storage

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Warehouse

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For Brokers: Partner with AVANA on CRE Deals

AVANA values long-term relationships with brokers and intermediaries. We know every referral reflects your reputation, and we take that responsibility seriously.

When you work with AVANA:

One coordinated team, multiple solutions: Access commercial real estate lending options including SBA 504, bridge, construction, and conventional term loans.
Collaborative structuring: Our originators work closely with you to align financing to your client’s objectives—even on complex or multi-phase projects.
Transparent, partner-led process: You and your clients stay informed at every stage through clear communication and reliable execution.
Client relationship protection: We respect and protect your client relationships and the trust behind every introduction.
Additional capital when it fits: For the right opportunities, the broader AVANA platform may support co-investment or loan participation solutions to help attract additional capital with thoughtful risk alignment.

Our focus is simple: to be a dependable partner you can return to—transaction after transaction.

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Social & Community Impact Through CRE Lending

AVANA Companies was founded on the belief that thoughtfully structured credit can help both investors and communities thrive. Our mission is to preserve wealth and generate income for investors by providing loans with speed and certainty of execution while enabling job creation and supporting sustainable economic growth.

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Proven Success Stories

We’ve helped businesses across industries

Featured

$3.5M Commercial Industrial Refinance – Scottsdale, AZ

Loan Purpose:

Refinance

Asset Class:

Industrial

Loan Amount:

$3,500,000

Featured

219-Room DoubleTree Suites by Hilton — Tukwila, WA & La Mirada, CA

Loan Purpose:

Refinance

Asset Class:

Hotel

Loan Amount:

$20,400,000

Frequently Asked Questions

Find answers to common questions

Who and what qualifies for CRE acquisition financing?

We finance stabilized, income-producing CRE for experienced sponsors. Priority assets include industrial, multifamily, medical office, self-storage, mixed-use (retail/multifamily), retail (grocery-anchored preferred), franchised restaurants, and franchised hotels. Sponsors should meet baseline credit standards (minimum 680 FICO, 5+ years of industry experience) and be comfortable with full-recourse guaranties.

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 qualify for SBA 504. Final proceeds depend on asset quality, market strength, tenant/NOI durability, and sponsor profile.

Are rates fixed or floating, and how is pricing set?

Conventional and Bridge loans are typically floating and priced off market benchmarks like CMT or SOFR. For SBA 504-eligible deals, the SBA debenture portion has a fixed rate while the 1st-lien is floating. Final pricing reflects market rates, risk, and structure.

What’s the expected timeline to close, and what commonly delays it?

Plan for 30-45 days from a signed LOI, driven by appraisal, environmental, property condition reports, title/survey, and the completeness of financials. You can speed things up by delivering a complete package upfront and ordering third-party reports quickly.

What do you need to issue a quick quote or term sheet?

Share property details and a clear request (amount, purpose, desired terms), ownership/guarantor info (20%+), historical financials and T-12, rent roll (if applicable), a debt schedule, and personal financials for guarantors. If improvements are planned, include scope and budget.

Can acquisition proceeds be used for a partner buyout?

Yes. Proceeds may be used to buy out a member/partner by purchasing equity interests, and you can also refinance the existing loan if helpful. Sizing is driven by appraised value/NOI and DSCR; remaining owners typically provide full-recourse guaranties. A modest equity contribution may be needed to maintain target LTV and post-close liquidity.

Ready to Move Your Project Forward?

Complete a short online form to share your property details, capital needs, and timing. You'll have a soft quote within 1–2 business days

Apply for a Loan →Schedule a Call ↗

Insights

May 28, 2026

When the SBA Process Gets Complicated, You Need a Lender Who Has Been There Before

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Education

May 5, 2026

White Paper: How Credit Unions Can Serve the Real Estate Financing Needs of Younger Business Owners

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Education

April 3, 2026

What Kills a Multifamily Deal Late in the Process and How Brokers Can Prevent It

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Education

Our Team

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel

Chief Lending Officer