Refinance your Commercial REal Estate Property

Refinance Your CRE Loan. Lower Your Rate or Unlock Equity

Lower your rate, free up cash flow, or pull equity out of a property you already own. AVANA structures commercial real estate refinances around your business plan — whether you're resetting rate and terms, taking cash out, or getting ahead of an upcoming loan maturity. Get a soft quote in 1-2 business days.

Apply for a Loan →Schedule a Call

Two men in suits smiling and looking at a smartphone in a bright office conference room.

Since 2002 · $6.5B+ Funded · $1B AUM

Is a Commercial Refinance Right for You?

A refinance could be a strong move if you're:

Paying too much — lower your interest rate or monthly payment on an existing CRE loan
Sitting on equity — access cash through a cash-out refinance while keeping the property in service
Facing a maturity — extend your term or adjust amortization before your loan comes due
Coming off a transition — realign your financing after a renovation, lease-up, or operational turnaround

If your business has evolved since your last financing, a thoughtfully structured refinance can better align debt service with today’s realities and tomorrow’s plans.

How AVANA Companies Structures CRE Refinancing

Three refinance paths, matched to your property and plan

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

SBA 504 Loans

Up to $20M in fixed-rate financing covering up to 90% of project costs, with terms to 25 years. For owner-operators who want maximum leverage and a steady payment.

Explore SBA 504 Program →

Conventional Term Loans

$1M–$15M in fixed-rate financing for stabilized assets — up to 75% LTV, 5–10 year terms. For acquisition, refinance, or improvements.

Explore Conventional Program→

Two modern glass skyscrapers connected by a sky bridge under clear blue sky.

Bridge Loans

$10M–$30M in short-term funding, terms to 3 years, to bridge transactions until permanent financing is secured. Fast, certain execution.

Explore Bridge Program →

Commercial Refinance Rates & Terms

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

From $1 million to $30 million, supporting a full range of commercial programs.

Terms

Short-term bridge structures up to 3 years and long-term options up to 25 years for qualifying programs.

Leverage

Up to 75% loan-to-value (LTV) in many conventional scenarios, and up to 90% total financing for certain SBA 504 structures.

Pricing

Market-indexed, typically tied to SOFR, CMT, or Treasury benchmarks, plus program-specific spreads.

Extension Flexibility

Select short-term programs offer annual renewal or extension options, subject to credit approval.

Wide Range of Asset Types

Franchised Hotels

→

Franchised Restaurants

→

Industrial

→

Manufacturing Facilities

→

Medical Offices

→

Retail

→

Self-Storage

→

Who We Refinance

Our refinance programs are built for established owners of stabilized, income-producing commercial property. You're a strong fit if:

You have a track record — 5+ years operating in commercial real estate or the property's industry

Your credit is strong — 680+ FICO

The property produces income — stabilized or near-stabilized, sized on NOI

Your deal is $1M–$30M — structured through SBA 504, bridge, or conventional financing

You bring equity — we finance up to 75% LTV, or up to 90% for owner-occupied SBA 504

Full-recourse guaranty from principals

Checks these boxes? Get a soft quote →

Young man in brown suit jacket standing outside a multi-story building with windows and air conditioners.

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

April 24, 2026

Best Western Plus Hotel in Austin, TX

Loan Purpose:

Refinance

Asset Class:

Hotel

Loan Amount:

$ 7,089,000

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

Do you offer rate-and-term and cash-out refinances? How much cash-out is available?

Yes. We refinance existing CRE debt for improved terms and may consider cash-out for eligible business purposes (e.g., partner buyouts, property improvements), subject to LTV/DSCR/debt-yield and overall credit.

What LTV/DSCR targets do you typically require—and what influences them?

Most refis are sized up to ~75% LTV for Conventional and Bridge loans, with a minimum DSCR around 1.25× and appropriate debt-yield. SBA 504-eligible properties can be as high as 90% LTV. Proceeds reflect stabilized NOI, market and comp strength, sponsor profile, and the use of any cash-out.

Is there a seasoning or payment history requirement?

We review current balance and status, recent payment history, prepayment terms, cost basis/purchase date, and the motivation to refinance. Clean history and a clear rationale can help accelerate approval and sizing.

How are refinance rates set (fixed vs. floating), and when can I lock?

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

How long does a refinance take, and what do you need to get started?

Expect ~30–45 days, largely dependent on third-party reports and file completeness. To move quickly, provide property and loan details, ownership/guarantors, historicals/T-12, rent roll, debt schedule, and refinance specifics (motivation, current lender status, prepay terms, any cash-out use).

Ready to Refinance Your Commercial Property?

If you’re exploring ways to reduce costs, unlock equity, or stay ahead of a loan maturity, AVANA Companies can help you evaluate options and design a refinance strategy that supports your next phase of growth.

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



Education

May 5, 2026

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



Education

April 3, 2026

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



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