Fast-Track Your Portfolio with Flexible Loan Options

Loans from $500,000 to $150M

Green Commercial Financing offers a full suite of multifamily loans and commercial mortgages. We understand that no two real estate investments are alike, so we structure financing that is tailored to your specific property type, investment goals, and timeline. Our diverse portfolio of products can meet the unique needs of seasoned investors, growing portfolio owners, and first-time commercial buyers.

Our expertise allows us to secure the most competitive rates and terms from our extensive network of lenders, ensuring you get the right financing solution to acquire, refinance, or develop your next asset.

Small Balance Multifamily

Small balance multifamily loans offer flexible financing options without third party reporting requirements and complex documentation. For smaller apartments with loans to $7.5 million.

Value Add Multifamily

Unlock upside potential in value-add multifamily apartments. These loan programs cater to investment properties with planned improvements of $10,000 to $25,000 per unit.

Commercial Bridge Loans

Bridge Loans offer short-term financing options to commercial real estate investors and business owners. Repayment terms from 12-36 months.

Hard Money Loans

Hard money loans are typically used for investments that require quick financing or involve properties that may not qualify for traditional loans.

SBA Loans (504/7A)

SBA Loans such as the 504 and 7(A) programs from the Small Business Administration can meet the capital needs of business owners nationwide.

Build-To-Rent Loans

Build-to-Rent loans provide funding for land acquisition, construction, and long-term financing for investors who create new rental property communities.

Fannie Mae Green Rewards

Fannie Mae offers multiple green lending programs that allow investors to re-position older apartments. Borrowers who finance energy-saving upgrades enjoy higher proceeds & lower rates.

Green Preservation Plus

Green Preservation Plus is intended for affordable multifamily properties. Investors can update equipment with energy and water saving improvements.

Freddie Mac Green Advantage

Freddie’s Mac Green Advantage is unique in that it focuses on affordable rents.  To qualify, properties must offer a percentage of units at rents deemed affordable at workforce housing levels.

FHA/HUD 221 Construction

FHA/HUD 221 Construction loans offer investors the highest leverage and lowest cost, non-recourse options. Borrowers enjoy 85-90% LTC and interest-only during construction.

Secure Funding For Your Next CRE Investment

Tailored Solutions: Multifamily Loans and Commercial Mortgages

Grow Your Portfolio and Improve ROI

Commercial loan programs are designed to facilitate the acquisition, development, or refinancing of properties with multiple residential units or commercial purposes. Multifamily loans cater to apartment buildings and other residential complexes with two or more units, while commercial mortgage programs encompass a broader range of properties including office buildings, retail spaces, industrial properties, and mixed-use developments.

🏢 Multifamily Loans

Multifamily properties are the backbone of many successful real estate portfolios. We specialize in financing apartment buildings, condo complexes, and mixed-use properties with a residential component.

Loan Type Ideal For Key Features
Agency Loans (Fannie Mae & Freddie Mac) Stabilized properties, long-term investors seeking low rates. Non-recourse options, long fixed-rate terms (up to 30 years), highly competitive pricing.
Bridge Loans Acquiring properties that need fast closing or significant renovation/stabilization. Short-term financing (6 months to 3 years), flexible prepayment options, higher leverage available.
Permanent Loans Properties with strong occupancy and operating history. Fixed-rate financing, competitive terms, ideal for long-term hold strategies.

 

🛍️ Commercial Mortgages

Whether you’re looking at retail, industrial, office, or specialized properties, we have the commercial mortgage products to help you close the deal.

Loan Type Ideal For Key Benefits
SBA 7(a) & 504 Loans Owner-occupied properties (purchasing or refinancing), financing for business equipment or expansion. Government-backed guarantees, lower down payments, longer repayment terms.
Conventional Commercial Loans Stabilized, investment-grade commercial properties (office, retail, industrial). Flexible loan amounts, competitive rates for well-qualified borrowers, straightforward underwriting.
Construction & Development Loans New property development or substantial renovation projects. Phased funding based on project milestones, interest-only payments during construction, ability to roll into permanent financing.
Hard Money & Private Loans Fast closings, unconventional properties, or borrowers with credit challenges. Asset-based lending, minimal documentation required, speed and flexibility.

Multifamily Loans and Commercial Mortgages from Green Commercial Financing

📈 Understanding Commercial Interest Rates

The interest rate on your commercial mortgage or multifamily loan is one of the biggest determinants of your investment’s profitability. Because rates are always subject to market fluctuations, we operate with full transparency and leverage our lender network to lock in the most favorable terms available.  Interest rates on multifamily loans and commercial mortgages may be fixed or variable, depending on the lender and the prevailing market conditions. Additionally, borrowers must often meet certain criteria related to creditworthiness, property value, and income potential.

Commercial Interest Rate Ranges

Interest rates for commercial mortgages vary widely based on the lender type, property use, and overall perceived risk.

Loan Program Category Typical Interest Rate Range (Approx.)* Structure
Agency Multifamily Loans (Fannie Mae, Freddie Mac) 5.25% – 7.00% Fixed Rate, often based on U.S. Treasury yields.
Conventional Commercial Mortgage (Bank Loans) 6.00% – 8.50% Fixed or Adjustable Rate (Indexed to Prime or SOFR).
SBA 7(a) & 504 Commercial Mortgage 6.50% – 9.00% Variable (SBA 7a) or Fixed (SBA 504).
Bridge Loans 9.00% – 12.00%+ Floating Rate (Indexed to SOFR), Interest-Only.
Hard Money Loans 10.00% – 14.00%+ Fixed or Floating Rate, Interest-Only.

Note on Rates: The ranges provided are illustrative and subject to change daily based on market conditions. The final rate for your commercial mortgage depends entirely on the deal specifics, including LTV and DSCR.

Interest rates for commercial financing and multifamily loans vary by asset and sponsor.

Factors Influencing Your Rate

Lenders evaluate several factors to determine the final interest rate on your multifamily loan or commercial mortgage:

  • LTV Ratio: A lower Loan-to-Value (LTV) ratio reduces risk and generally results in a lower interest rate.
  • Property and Asset Class: Multifamily loans and stable industrial properties often secure the most competitive rates due to their low-risk profile.
  • DSCR: A high Debt Service Coverage Ratio (DSCR) confirms the property’s income can comfortably cover the debt, qualifying you for a better commercial mortgage rate.
  • Borrower Strength: Your credit history, net worth, and investment experience directly impact the lender’s risk assessment and final rate offer.

📞 Next Steps: Secure Your Commercial Mortgage Today

Don’t let complex financing slow down your investment goals. Whether you need a competitive multifamily loan for an acquisition or a flexible commercial mortgage for a refinancing, our experts are ready to provide tailored solutions.

Get Started with Green Commercial Financing

To begin the process, choose the option that works best for you:

  • Request a Free Consultation: Get a customized rate quote and loan structure analysis for your specific property.
  • Speak Directly with a Broker: Call us to discuss your project and options immediately.
    • Call Us Now: 949-614-1300
  • Email Us: Service@GreenFinancing.com