Conventional Term Loans for Commercial Property
Lock in long-term, fixed-rate financing for stabilized commercial real estate. Through AVANA’s credit union network, our conventional term loans provide reliable permanent debt for acquisitions, refinances, partner buyouts, and property improvements.
Apply for a loan
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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.
Permanent Debt for Income-Producing CRE
Certainty of execution
Flexible Terms
Fast funding
No prepayment penalties
Conventonal Loans Rates and Terms
Rates and structures vary depending on loan type and borrower qualifications
$1MM - $15MM
Available for stabilized, income-producing commercial properties
5-Year CMT + 2.00%–2.50%
Designed to fund mid- to large-scale commercial real estate projects
Up to 75%
Up to 75% of appraised value (up to 65% for franchised hotels and restaurants)
5 - 10 Years
with longer amortization periods
Acquisition, Refinance, Partner Buyouts, Property Improvements (non ground up)
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
Proven Success Stories
We’ve helped businesses across industries
Frequently asked questions
Learn more (link to page with process)
Apply for a Conventional Loan Today
Insights
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.
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.