Commercial Property Financing · Building Purchase Guide
Planning to buy a shopping center, strip mall, office, warehouse or restaurant building? GLOBAL X helps you explore financing based on intended property use, rental income, operating business occupancy and funding needs.
Request an Initial ConsultationGLOBAL X HomepageFinancing Options
Shopping Centers and Strip Malls
Review tenant mix, lease status, property income and purchase price.
Restaurant and Retail Buildings
Financing may differ for owner-occupied business property and rental investments.
Office and Medical Buildings
Consider use plans, financial records, tenant occupancy and lease terms.
Warehouses and Industrial Property
Review property use, operating company, value and repayment capacity.
Choosing a Commercial Real Estate Financing Program
Owner-Occupied Business Property: Property used by an eligible operating business may qualify for SBA 504 or 7(a) financing review. Occupancy, business size, eligible use and other SBA rules apply.
Investment Rental Property: Income-producing investment properties may be considered for conventional commercial mortgages or other non-SBA programs. SBA financing is not intended for every investment property.
Documents to Prepare: Common materials include purchase terms, rent rolls, projected operating costs, business financials, buyer equity and credit information.
Locations Served: Inquiries are welcome from California, Texas, Georgia, New York, New Jersey and other U.S. markets. Program availability and terms vary.
Frequently Asked Questions
How much down payment is needed for a commercial building?
It depends on the loan program, property and borrower qualifications. Some eligible SBA structures may require less equity, but this does not apply universally.
Can I use SBA financing to buy an investment shopping center?
Passive investment rental property generally is not eligible for SBA financing. Conventional commercial property financing may be an alternative.
What if I am buying a business and building together?
Some programs may address both assets. Purchase allocations, cash flow, occupancy and program eligibility must be reviewed.
Can I request a consultation even if another bank denied my loan?
Yes. Each bank has different underwriting criteria. We can review your situation and explore possible financing options with other lenders. Approval may still be possible, depending on the lender’s requirements and review.
Planning a Commercial Property Purchase?
Share your building type, location, estimated price and financing needs to request an initial consultation.
Request Commercial Financing Consultation