Commercial Real Estate Loans for Growing Businesses

Unlock flexible capital for the properties your business depends on. Through our lending arm, AVANA Capital, and our national network of lenders, you gain access to commercial real estate (CRE) loans that combine competitive, market-indexed pricing with creative structures designed around your cash flow and business plan

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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.

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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.
Our CRE loans are built to support business owners and real estate sponsors who need more than off-the-shelf financing. By combining private-credit capital with a relationship-oriented approach, we help you move quickly and structure debt that fits your long-term plans.

Versatile capital

Use proceeds for acquisitions, refinancing, construction, or partner buyouts across a wide range of asset types.

Certainty of execution

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

Predictable payments

Benefit from long-term amortization that supports stable monthly debt service.

Competitive, market-indexed 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.

SBA 504 Loans

Long-term financing designed to help business owners acquire, expand, or refinance commercial real estate

Explore SBA 504 Program →

Conventional Term Loans

Long-term financing options for stabilized assets. Ideal for acquisition, refinancing, or property enhancements

Explore Conventional Program→

Bridge Loans

Short-term funding to bridge the gap between transactions or support property transitions until permanent financing is secured

Explore Bridge Program →

Construction Loans

Long-term financing options for stabilized assets. Ideal for acquisition, refinancing, or property enhancements

Explore Construction Program →

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Diversify portfolios
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Expand lending programs beyond their communities
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Mitigate concentration risk
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Improve Loan-to-share ratio

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

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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For Investors: CRE Loans within a Private Credit Strategy

Commercial real estate loans originated through AVANA Capital form a core part of AVANA Companies’ private credit investing platform. These loans are typically secured by income-producing or owner-occupied properties and underwritten with a focus on capital preservation and downside protection.
Within AVANA’s private credit strategies:
  • Investors gain exposure to secured CRE loans, often in the form of first-lien positions 
  • Underwriting emphasizes conservative structures, sponsor strength, and realistic business plans, with a disciplined risk management
  • Returns are driven by contractual interest payments and fees from a diversified portfolio of loans
  • Investors can choose among vehicles such as closed-end funds invested in secured CRE loans or direct participation in select commercial loans

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 business day

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

Explore Process
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Proven Success Stories

We’ve helped businesses across industries

Construction project of a hotel using modular construction
Featured
August 23, 2024

Construction project of a hotel using modular construction

Loan Purpose:

Acquisition

Asset Class:

Hotel

Loan Amount:

Bridge Loan

Multi-Tenant Office Building in Las Vegas
Featured
September 30, 2024

Multi-Tenant Office Building in Las Vegas

Loan Purpose:

Refinance

Asset Class:

Multi-Family

Loan Amount:

2,450,000

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 quality 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.

Apply for a Commercial Real Estate Loan

Ready to move your project forward? Complete a short online form to share your property details, capital needs, and timing
Apply for a loanSchedule a call ↗

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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

Our Team

About Christyna Lane

As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization.  Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.

Christyna Lane
Vice President Participations