Commercial Mortgages
Fuel Your Business with Smart Financing in BC
A commercial mortgage is a loan secured by a property used for business purposes, such as office buildings, retail space, warehouses, or multi-unit residential complexes. The property itself serves as collateral, and loan terms depend on factors like the property’s value, your business’s financial strength, and the lender’s criteria. A commercial mortgage can give you the capital you need while keeping your business cash flow intact.
Find Your Perfect Commercial Mortgage Option
Commercial mortgages come in several forms, each suited to different needs and business goals.
- Traditional Commercial Mortgage – Fixed or variable rate loans for purchasing or refinancing commercial properties with predictable repayment schedules.
- Commercial Bridge Loan – Short-term financing to cover immediate needs until long-term funding is secured or a property is sold.
- Construction Commercial Loan – Funding for building new commercial spaces or completing major renovations.
Understanding How Commercial Mortgages Work
A commercial mortgage allows you to secure business property while spreading the cost over a set term. The amount you can borrow depends on the property’s value, your down payment, and the lender’s loan-to-value ratio, often between 65% and 80%. Interest rates may be higher than residential mortgages, but are typically lower than unsecured business loans.
They are also an excellent option when paired with construction financing, giving businesses the flexibility to fund new builds, property improvements, or large-scale development projects while managing cash flow effectively.
Turn Property Goals into Business Growth
A commercial mortgage gives you the ability to acquire or improve income-generating property without straining your working capital. It’s ideal for expanding operations, investing in property, or refinancing for better terms. With LendingTree, you can compare offers from multiple lenders in minutes, avoiding lengthy bank processes. Simply complete a short online form, and we’ll connect you with competitive rates and flexible terms designed for your business goals.
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Why a Commercial Mortgage with LendingTree Makes Sense
Access Business Capital
Unlock funding to purchase, refinance, or improve commercial property.
Lower Long-Term Costs
Enjoy rates often lower than unsecured business loans or lines of credit.
Flexible Loan Structures
Choose fixed or variable rates, short- or long-term repayment plans.
Fast and Efficient Process
Compare offers from multiple lenders in one simple step.
A Smart Way to Invest in Your Business
Whether you’re purchasing a new property or refinancing for improved terms, a commercial mortgage provides the flexibility and stability your business needs. With LendingTree, finding the right financing is fast, simple, and stress-free.
Frequently Asked Questions
How much can I borrow with a commercial mortgage?
It depends on the property value and the lender’s loan-to-value ratio, often up to 80% of the property’s value.
Are interest rates higher for commercial mortgages?
They can be slightly higher than residential rates but are usually lower than most unsecured business loans.
Can I get a commercial mortgage with less-than-perfect credit?
Yes, some lenders focus more on the property’s value and income potential than solely on credit score.
What’s the difference between a commercial mortgage and a business loan?
A commercial mortgage is secured by property, while a business loan may be unsecured or secured by other assets.
What types of properties qualify?
Office buildings, retail spaces, warehouses, industrial properties, and multi-unit residential complexes often qualify.