Refinance Your Commercial Real Estate Loan
Refinancing a commercial property can reduce borrowing costs, improve cash flow, or unlock trapped equity for new projects. AVANA Companies structures commercial real estate (CRE) refinances to match your business plan—whether you’re optimizing rate and payments, pursuing a cash-out refinance, or resetting terms ahead of maturity
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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.
Is a Commercial Refinance Right for You?
- Looking to lower your interest rate or monthly payments on an existing CRE loan.
- Seeking to access equity through a cash-out refinance, while keeping your property in service.
- Facing an upcoming loan maturity and needing to extend term or adjust amortization.
- Realigning your capital stack after a period of renovation, lease-up, or operational improvement.
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program→
Bridge Loans
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.
For Investors: Why Commercial Refinance Loans Matter
- Many refinances are backed by seasoned, income-producing properties with track records of occupancy and cash flow.
- Capital can support business expansion, modernization, and community reinvestment, such as upgrading hotels, expanding manufacturing capacity, or enhancing medical facilities.
- Investors gain exposure to diversified sectors and geographies, while their capital supports entrepreneurs and SMEs taking the next step in their growth story.
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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Frequently asked questions
Ready to Refinance Your Commercial Property?
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.