Mixed-Use Property Financing
Mixed-use properties bring together residential, retail, and office uses to create vibrant, walkable environments. AVANA Companies offers conventional mixed-use property loans for stabilized assets with diversified income streams, helping sponsors acquire, refinance, or enhance properties that anchor neighborhoods and town centers. Investors gain access to collateral-backed exposure across multiple use types in a single asset.
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.
Flexible Financing for Mixed-Use Properties
Loan Options for Mixed-Use Facilities
Conventional Term Loans
Explore Conventional Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Approximately $1MM to $15MM, depending on property size, location, and income profile.
Terms
Term lengths commonly up to 10 years, with amortizations that may extend beyond the term.
Leverage
Up to 75% LTV for qualifying transactions.
Pricing
Generally indexed to CMT or Treasury benchmarks, with risk-based spreads.
Acquire stabilized mixed-use properties in urban, suburban, or town-center locations.
Fund interior renovations (units, common areas, lobbies) and exterior improvements (façade, signage, streetscape).
Refinance existing debt to improve terms or access equity for qualified capital projects.
Reconfigure or re-tenant ground-floor retail to better align with neighborhood demand.
For Investors: Why Mixed-Use Loans Matter
- Exposure to diversified income streams across residential and commercial components.
- Collateral in locations that can benefit from long-term trends toward walkability and live-work-play environments.
- The potential for steady cash flows and asset appreciation when properties are thoughtfully curated and managed.
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
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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.