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Commercial Real Estate Financing · Since 1998

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. Competitive terms through established lending relationships and capital markets.

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$0B+ Loan Volume Since 1998
0 Years Of Lending Expertise
0K+ Clients Served
0 States + CA Nationwide Coverage
Property Types We Help Finance

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 & Residential

  • Apartment buildings & portfolios
  • Mixed-use (retail + residential)
  • Mobile home parks
  • Senior housing & assisted living
  • Student housing & affordable housing
Multi-Family Loan Programs

Office & Medical

  • Class A, B, and C office buildings
  • Medical office & healthcare facilities
  • Surgery centers & clinics
  • Professional & creative office space
  • Veterinary clinics & dental offices
Loan Structuring Options

Retail & Hospitality

  • Retail centers & strip malls
  • Hotels, motels & boutique properties
  • Restaurants & franchise locations
  • NNN single-tenant retail
  • Gas stations & auto dealerships
Hospitality & NNN Programs

Industrial & Storage

  • Warehouses & distribution centers
  • Manufacturing & flex space
  • Self-storage facilities
  • Cold storage & trucking terminals
  • Light industrial properties
Bridge Financing Options

Owner-Occupied & SBA

  • Owner-occupied commercial buildings
  • SBA 7(a) & 504 eligible properties
  • Business acquisitions & real estate
  • Daycare centers & schools
  • Funeral homes & professional practices
SBA 7(a) & 504 Loans

Specialty & Agricultural

  • Car washes & quick lubes
  • Churches & religious facilities
  • RV parks, campgrounds & marinas
  • Cannabis-friendly properties
  • Farms, agribusiness & rural commercial
Agricultural & USDA Programs
Commercial Loan Programs

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

What Sets UFIG Apart

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

Primary lending channel first, then our Capital Markets Division if needed. $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.

How It Works

Our simple 4-step commercial loan process

From submission to closing, one loan officer stays with your file the entire way.

1

Submit Your Scenario

Share the basics — property type, loan amount, and your goals. No commitments.

2

Review Financing Options

We test the data, develop the loan story, and identify the best structure and rate path.

3

Receive Term Sheets

Competitive offers within days — typically multiple options to compare.

4

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.

Multi-Property Investor Northeast Retail Portfolio
Primary Channel + Capital MarketsTwo execution paths, one team
24-Hour ResponseOften same-day review
$14B+ OriginatedSince 1998 · 74K+ clients
Common Questions

Frequently asked commercial loan questions

UFIG works with virtually every commercial asset class — multifamily, office, retail, industrial, hospitality, mixed-use, self-storage, mobile home parks, RV parks, medical, senior housing, restaurants, gas stations, auto dealerships, agricultural, owner-occupied businesses, and specialty assets like car washes, churches, marinas, cold storage, and cannabis-friendly properties. If a property generates income or houses a business, we can usually structure a financing path for it.
We handle commercial transactions starting at $500,000 with no upper limit. The majority of our deals fall between $1M and $50M, with $100M+ requests reviewed through our Capital Markets Division. Smaller, straightforward requests may fit the primary lending channel; larger or more complex transactions are placed through institutional capital relationships.
Bridge and hard money loans can close in 7–21 days. Conventional commercial loans typically close in 30–45 days. SBA 7(a) and 504 loans usually take 45–75 days due to the additional federal underwriting steps. Speed depends most on how complete your file is when you submit — that's why we develop the loan file and test the data before sending anything to a lending source.
SBA 7(a) loans are flexible general-purpose loans up to $5M that can be used for real estate, working capital, equipment, or business acquisition. SBA 504 loans are real-estate and equipment specific, structured as a two-loan combination with longer fixed terms and typically lower down payments for owner-occupied commercial property. Both require the business to occupy at least 51% of the property. You can learn more from the U.S. Small Business Administration, or review our SBA 7(a) and 504 program page for UFIG-specific details.
Yes — UFIG handles commercial loan requests in all 50 U.S. states plus Canada. We work through relationships with regional banks, national lenders, credit unions, life insurance companies, CMBS conduits, agency lenders, and private capital across every major market and most secondary and tertiary markets.
Absolutely. Cash-out refinances are one of our most common loan structures. Typical maximum LTV is 65–75% depending on property type, occupancy, and current market conditions. Proceeds can be used for property improvements, additional acquisitions, business expansion, or debt consolidation. We'll evaluate your property's current value and structure the loan to maximize proceeds while keeping your debt service comfortable.
Yes — specialty property financing is one of UFIG's strengths. We regularly work on car washes, churches, marinas, RV parks, campgrounds, cold storage, cannabis-friendly properties, daycare centers, funeral homes, and veterinary clinics. When a property falls outside conventional guidelines, we structure the request through private capital sources and specialty programs. See our agricultural and USDA B&I programs for rural commercial assets.
Most conventional commercial programs prefer 680+ credit scores, but we have programs that work with scores in the low 600s. You'll generally need two years of personal and business tax returns, current property financials (rent rolls and operating statements), a personal financial statement, and basic property documentation. For DSCR loans on investment property, the focus is on the property's cash flow rather than your personal income.

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.

Start Your Loan Request Call (888) 556-4029
Submit Your Commercial Property Deal

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
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