Commercial Real Estate Loans for Nearly Every Property Type
Nationwide commercial real estate financing for multifamily, retail, industrial, hospitality, mixed-use, specialty, and owner-occupied commercial properties. One dedicated loan officer. 24-hour response. Originated, underwritten and packaged by UFIG, placed through its Capital Network of banks, life companies, agency lenders, CMBS conduits, debt funds and government-guaranteed programs.
Today’s commercial rates from 5.23% · View today’s rates →Every commercial asset class — from mainstream to specialty
UFIG works with virtually any commercial real estate property. Whether it’s a stabilized multifamily portfolio, an industrial warehouse, or a non-traditional asset like a car wash or marina, our team develops the property, project, principal, and data story behind the file, then matches the loan request with the right capital path.
Multifamily & Housing
- Apartment buildings & portfolios
- Mixed-use (retail + residential)
- Mobile home parks
- Senior housing & assisted living
- Student housing & affordable housing
Office & Medical
- Class A, B, and C office buildings
- Medical office & healthcare facilities
- Surgery centers & clinics
- Professional & creative office space
- Veterinary clinics & dental offices
Retail & Hospitality
- Retail centers & strip malls
- Hotels, motels & boutique properties
- Restaurants & franchise locations
- NNN single-tenant retail
- Gas stations & auto dealerships
Industrial & Storage
- Warehouses & distribution centers
- Manufacturing & flex space
- Self-storage facilities
- Cold storage & trucking terminals
- Light industrial properties
Owner-Occupied & SBA
- Owner-occupied commercial buildings
- SBA 7(a) & 504 eligible properties
- Business acquisitions & real estate
- Daycare centers & schools
- Funeral homes & professional practices
Specialty & Agricultural
- Car washes & quick lubes
- Churches & religious facilities
- RV parks, campgrounds & marinas
- Cannabis-friendly properties
- Farms, agribusiness & rural commercial
Loan programs tailored to your investment strategy
Whether you’re acquiring, refinancing, or repositioning a commercial property, UFIG helps identify the right capital path at competitive terms. We develop the loan file, test the data received, and evaluate the request across multiple programs and channels so the property, project, principals, and loan purpose are presented clearly.
We Help Finance
- Acquisitions & portfolio expansions
- Refinances & cash-out refinances
- Bridge loans & ground-up construction
- Value-add & stabilized assets
- Owner-occupied & investor properties
Financing Options Include
- Conventional commercial loans
- SBA 7(a) & 504 loans
- Multi-family & DSCR loans
- Bridge & hard money loans
- USDA B&I, CMBS & private debt
Commercial Real Estate Loans by Capital Source
A commercial mortgage is not one product. The same building can be financed by a bank, a life insurance company, Fannie Mae, a CMBS conduit, a debt fund or the SBA, and each prices, sizes and structures the loan differently. UFIG is a loan correspondent: it originates, underwrites and packages the file once and places it with the capital source in its Capital Network that fits the property, the loan size and your plan. Here is how the sources differ, and today’s indicative rate from each.
Rates are indicative only and change with the Treasury and Prime; see today’s commercial mortgage rates. A lower rate is not always the better loan: it usually comes with lower leverage, stricter property requirements or a longer closing.
The six capital sources, and which deal each wants
| Source | Typical loan | Leverage and term | Wants | Trade-off |
|---|---|---|---|---|
| Banks and credit unions | $500K to $25M | 65% to 75% LTV; 5- to 10-year terms, 20- to 25-year amortization | Owner-occupied and investor property, local relationships, mixed-use, construction | Recourse, balloon, deposit relationship |
| Life insurance companies | $3M to $100M+ | 50% to 65% LTV; 10- to 25-year terms, often fully amortizing | Stabilized, high-quality multifamily, industrial, retail and office in strong markets | Lowest rates, lowest leverage, selective on asset and location |
| Fannie Mae / Freddie Mac / HUD | $1M to $100M+ | 75% to 85% LTV; 5- to 35-year terms, 30- to 35-year amortization | Apartment buildings of 5+ units, affordable and senior housing, manufactured-housing communities | Multifamily only; yield-maintenance prepayment; HUD timeline |
| CMBS conduits | $2M to $100M+ | Up to 75% LTV; 5- and 10-year terms, 30-year amortization, non-recourse | Cash-out refinances, secondary markets, hotels, retail, office, self-storage | Defeasance, third-party servicing, little flexibility after closing |
| Debt funds and private capital | $1M to $50M+ | 60% to 75% LTV (80% of cost on value-add); 12 to 36 months, interest only | Transitional property, lease-up, bridge and hard money, speed | Highest rates; exit must be underwritten at closing |
| Government-guaranteed (SBA, USDA B&I, Farmer Mac) | $500K to $25M | 85% to 90% LTV; 25- to 30-year terms, fully amortizing | Owner-occupied businesses (SBA), rural businesses (USDA), farms and ranches (Farmer Mac) | Program eligibility rules, fees, 45- to 120-day timelines |
Program pages: multifamily, SBA 504 and 7(a), USDA B&I, agricultural, hotel, NNN, bridge and hard money.
Owner-occupied vs investment property: two different loans
Owner-occupied
Your business occupies at least 51% of the building. The loan is underwritten on the business’s cash flow and the owners’ guaranties as much as on the real estate, which opens the SBA 504 and 7(a) programs (10% down, 25-year terms) and USDA B&I in rural markets, alongside bank loans. Rent you pay yourself is not income to the lender; the business’s earnings are.
Investment property
Tenants pay the rent and the lender underwrites the leases: net operating income, debt service coverage of 1.20x to 1.30x, lease term versus loan term, tenant credit. Agency, CMBS, life company, bank and debt-fund capital all compete here. Leverage runs 65% to 80% and non-recourse is available on stabilized assets. See NNN and net lease financing for single-tenant property.
Life-company loans: the quiet market
Life insurers lend their own policyholder reserves on the best commercial real estate, at the lowest fixed rates in the market and for terms up to 25 years, often with no balloon. They want stabilized property in good locations at conservative leverage, loans of $3 million and up, and experienced sponsors. UFIG places life-company loans through its Capital Network; most borrowers never hear of them because the insurers do not advertise.
What decides the source
Loan size, property type, occupancy, how long you will hold, whether you need cash out, and how much recourse you will accept. UFIG runs the file against every source above before recommending one, and tells you why.
What UFIG does with your file
- Eligibility in 24 hours. Property, loan size, purpose and sponsor are matched to the capital sources that will want the deal.
- Underwriting to the lender’s standard. Rent roll, operating statements, tax returns and the sponsor’s financials are tested the way the lender’s credit committee will test them, before the lender sees them.
- Placement. The packaged file goes to the lenders in the Capital Network whose terms fit. Usually more than one, so you compare.
- Closing. One UFIG loan officer manages appraisal, environmental, title and lender conditions through closing. The lender provides the loan; UFIG originated, underwrote and packaged it.
Why borrowers choose UFIG for commercial real estate loans
One Dedicated Loan Officer
Human communication from first call through closing. No call centers, no hand-offs. You always speak with the person who knows your file.
24-Hour Response & File Development
Often same-day assessment. We review the full backstory, test the data received, and identify underwriting questions before the file is presented.
Two Execution Paths
Correspondent lending first, then our Capital Network when another source fits better. $14B+ in loan volume since 1998. We work to find a path when others can’t.
Nationwide Expertise
28 years of experience. Every asset class. Every state plus Canada. Specialty programs traditional banks simply don’t offer.
Our simple 4-step commercial loan process
From submission to closing, one loan officer stays with your file the entire way.
Submit Your Scenario
Share the basics — property type, loan amount, and your goals. No commitments.
Review Financing Options
We test the data, develop the loan story, and identify the best structure and rate path.
Receive Term Sheets
Competitive offers within days — typically multiple options to compare.
Close Your Loan
Loan closed. Same loan officer with you from first call to final close.
UFIG closed our $4.2M retail center refinance in 31 days after two other lenders dropped the deal. One loan officer, one phone number, zero surprises — exactly how commercial lending should work.
Frequently asked commercial loan questions
Ready to move your commercial property loan request forward?
Competitive terms. Fast service. Human communication with a loan officer who stays with your deal from start to finish. $14B+ in loan volume since 1998.
Tell us about
your property.
- 24-hour response — often same day
- One dedicated loan officer (human, not a call center)
- Loan file developed and data tested before any lender sees it
- Competitive rates across every commercial program
- Every commercial property type reviewed