Investing in commercial real estate is one of the most effective ways to grow your business, increase equity, and secure long-term financial success. Whether you're purchasing a new office, expanding to multiple locations, or refinancing an existing property, a real estate loan can provide the capital you need.
At Monet Capital, we help businesses secure real estate loans up to $10 million, with competitive interest rates and flexible repayment terms. Let’s explore how real estate loans work, why they’re essential for business owners, and how you can qualify for one.
A real estate loan is a type of business financing used to purchase, refinance, or develop commercial properties. These loans are typically secured by the property itself, making them a lower-risk option for lenders and offering favorable interest rates for borrowers.
🔹 Commercial Real Estate 7(a) Loan – Best for purchasing, refinancing, or renovating commercial properties.
🔹 SBA 504 Loan – Ideal for real estate and equipment financing with low down payments.
🔹 Bridge Loans – Short-term financing to cover gaps while securing long-term funding.
🔹 Construction Loans – Designed for businesses looking to develop or expand property assets.
A real estate loan offers multiple benefits for businesses looking to expand or optimize their financial situation. Here’s why it might be the right move for you:
Owning property means your business won’t be subject to rent increases, lease expirations, or the uncertainties of renting commercial space.
Unlike leasing, where monthly payments go to a landlord, mortgage payments contribute to your equity, increasing your business’s financial health.
Real estate loans allow businesses to open new locations, renovate existing spaces, or expand into high-demand areas without draining working capital.
Since commercial real estate loans are secured by property, they often come with lower interest rates than unsecured business loans. Monet Capital offers competitive rates starting at 6.5%.
Business property ownership can come with tax deductions, including interest payments and depreciation, reducing overall taxable income.
Securing a commercial real estate loan requires businesses to meet specific criteria. Here’s what lenders typically look for:
✔ Lenders prefer businesses with strong financial statements showing consistent revenue.
✔ Annual revenue of $250,000+ is ideal for approval.
✔ Minimum credit score: 660+
✔ Higher scores (700+) can unlock better interest rates and higher loan amounts.
✔ Lenders assess the value of the property to determine loan eligibility.
✔ The LTV ratio (loan amount vs. property value) typically ranges from 75% to 90%.
✔ SBA 504 and 7(a) loans require a 10-20% down payment.
✔ Some loans allow low or no down payment options for qualified businesses.
✔ At least 2 years in business preferred for most real estate loans.
✔ Startups may qualify with strong financials and personal credit.
✔ Fill out a simple online application to see if you qualify without impacting your credit score.
✔ Business tax returns
✔ Profit & loss statements
✔ Bank statements (last 6-12 months)
✔ Property details and appraisal reports
✔ Once approved, funding is disbursed directly to complete your property purchase or refinancing.
✔ Loan Amounts Up to $10 Million – Secure high-value financing for large-scale real estate projects.
✔ Interest Rates Starting at 6.5% – Get the best terms available for your business.
✔ Flexible Repayment Terms – Loan terms ranging from 5 to 25 years.
✔ Fast Approval & Funding – Get pre-qualified within 24 hours and receive funds quickly.
✔ Expert Guidance – Our team works with you every step of the way to ensure a smooth funding process.
Investing in commercial real estate is one of the smartest moves a business can make. Whether you’re buying, refinancing, or expanding, Monet Capital can help you secure up to $10 million in real estate financing with competitive rates and flexible terms.
📞 Ready to grow your business? Apply for a real estate loan today!