COMMERCIAL REAL ESTATE LOAN

Expand your business
with commercial
real estate financing.

Secure the funding you need to grow your business with our commercial real estate loan solutions.

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Power your expansion with commercial real estate financing.

Whether you’re looking to refinance, purchase a property, or remodel, we can help you find a loan solution that works for you.

Tax advantages1

Depreciation and appreciation are federal income tax deductions that reflect the reduction in property value over time or the increase in value with proper maintenance.

Competitive interest rates

We offer competitive interest rates on commercial real estate loans, which can help businesses reduce their overall borrowing costs.

Flexible term lengths

Commercial real estate loans from U.S. Bank offer flexible term lengths of 5, 10 or 15 years. This allows borrowers to tailor their loan to match their cash flow and investment strategy.

Dedicated loan professionals

Our team of dedicated loan professionals will work closely to understand your business needs. Experience a smooth loan closing, ongoing loan servicing and access to a wide variety of products.

Compare owner-occupied commercial real estate and investment property loans

Loan features

Owner-occupied commercial loans

Investment property loans

Best for

Business owners who have at least 51% of usable space like office buildings or a warehouse operated by the owning business.

Businesses who are looking to purchase investment properties such as multi-tenanted buildings and mixed-use spaces.

Loan terms
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Up to 80% loan-to-value ratio
  • Variable and fixed rates available
  • Real estate secured line of credit option
  • 25-year loan option and up to 90% loan-to-value with SBA financing
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Variable and fixed rates available

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Loan features

Best for

Owner-occupied commercial loans

Business owners who have at least 51% of usable space like office buildings or a warehouse operated by the owning business.

Investment property loans

Businesses who are looking to purchase investment properties such as multi-tenanted buildings and mixed-use spaces.

Loan features

Loan terms

Owner-occupied commercial loans
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Up to 80% loan-to-value ratio
  • Variable and fixed rates available
  • Real estate secured line of credit option
  • 25-year loan option and up to 90% loan-to-value with SBA financing

Investment property loans
  • Terms of 5, 10 and 15 years
  • Amortization up to 25 years
  • Variable and fixed rates available

Loan features

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Owner-occupied commercial loans

Investment property loans

Refinancing options

Refinancing your commercial real estate loan can often lower your monthly payment, increase your cash flow or modify your loan terms to fit your business. Contact our local experts to learn more.

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Frequently asked questions

Commercial real estate loans can be used to finance a wide range of properties, including office buildings, retail space and multifamily housing.

Yes, you can use an owner-occupied commercial real estate loan to purchase a mixed-use property if your business occupies at least 51% of the property's space.

Office buildings, medical practices and industrial warehouses are very common uses of owner-occupied real estate loans.

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Diverse-owned business funding

Our Diversity lending program is for minority-owned business owners to choose from traditional lines of credit, term loans, and business funding solutions.

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Business money market accounts

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Disclosures

  1. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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Financing maximums and terms are determined by borrower qualifications and use of funds.

SBA loan funding is subject to credit approval, program, and eligibility guidelines. Financing maximums and terms are determined by borrower qualifications and use of funds. U.S. Bank, SBA, and/or third-party SBA fees may apply and vary based on the type and term of the loan. Some restrictions apply to refinancing options.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Financing under the Business Diversity Lending Program is subject to credit approval. Terms and conditions are subject to change.

Business Diversity Lending Program: To be eligible for the BDLP, your business must be at least 51% owned and operated by one or more individuals who are women, people of color and/or veterans. Demographic information regarding gender, race and veteran status is required only to determine eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.