Commercial Investment Property Financing
Financing for retail, office, and mixed-use investment property.
Commercial investment property financing funds income-producing property that isn't residential — retail, office, industrial, or mixed-use. Qualification typically leans on the property's net operating income and lease strength. This is distinct from owner-occupied commercial property, where your business operates from the building.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Reveal Commercial Investment Property
Reveal partner channel
- Minimum loan
- $150,000
- Minimum credit
- 650+ FICO
- DSCR / coverage
- Assessed on net operating income and lease strength
- Term / structure
- Requirements vary by program—request a funding review
- Note
- Owner-user SBA options have separate criteria
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Acquiring a retail, office, or industrial property
- Refinancing commercial investment property
- Mixed-use investment property
- Stabilizing and refinancing a commercial asset
When it fits
- The property is income-producing commercial space
- Leases and net operating income support the debt
- You have relevant commercial experience
How it generally works
- 1You provide leases, operating income, and property details.
- 2Financing is structured around net operating income and lease strength.
- 3An appraisal and sometimes an environmental review apply.
- 4Property income supports repayment.
Factors funding partners may consider
- Net operating income and DSCR
- Lease terms and tenant creditworthiness
- Property type, condition, and location
- Your experience with commercial assets
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Current rent roll
- Trailing 12-month operating statements
- Contract or payoff information
Additional Underwriting & Closing
- Entity documents
- Additional business financials when applicable
- Property appraisal and environmental report (when applicable)
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
An investor acquires a small retail building with stable tenants, qualifying on the property's net operating income and lease strength. Actual terms depend on the partner and property.
How it compares to related products
vs. Owner-Occupied Property
Investment property is leased to tenants; owner-occupied is where your business operates.
Learn morevs. Multifamily
Commercial investment property is non-residential income space; multifamily is residential.
Learn moreFrequently asked questions
Ready to explore commercial investment property?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.