Commercial Real Estate

Commercial Real Estate Term Loans

Permanent financing for commercial real estate properties that are fully stabilized and generating consistent income. Great for refinancing or long-term holds.

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At a Glance

Funding Amount $500,000 - $25,000,000+

Term 5, 7, 10, or 30 Years

Overview

The Angel Funding Advantage

Once a commercial property is fully leased and generating a stable, predictable Net Operating Income (NOI), it graduates from short-term bridge debt into permanent financing.

Non-recourse options available
Cash-out refinances

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Financial Review

Our advisors handle this step for you and keep you informed at every stage.

Sizing the Loan

Our advisors handle this step for you and keep you informed at every stage.

Third-Party Reports

Standard commercial diligence is performed: full MAI appraisal, Phase 1 Environmental, and Property Condition Assessment (PCA).

Closing

Funds are used to pay off existing debt, with any excess equity distributed as cash to the borrower.

Who Qualifies?

Debt Service Coverage Ratio (DSCR) of 1.20x or higher
Creditworthy sponsors with adequate net worth and liquidity
Standard commercial asset classes (Multifamily, Retail, Office, Industrial)

Why Choose This Option

Non-recourse options available for strong assets, protecting your personal wealth.
Provides decades of predictability for legacy portfolio assets.

Common Scenarios

How businesses use Commercial Real Estate Term Loans

Acquiring Stabilized Assets

Purchasing a fully occupied retail center anchored by a national grocery chain.

FAQ

Frequently Asked Questions

Get the facts on Commercial Real Estate Term Loans.

What is considered a "stabilized" property?

A property that is half-empty is not stabilized.

Do you offer non-recourse loans?

Yes. For high-quality properties in good markets (and usually for loan sizes over $2M-$3M), we can secure non-recourse debt. You will only sign for standard "bad boy" carve-outs (fraud, environmental issues, etc.).

What is Yield Maintenance or Defeasance?

They ensure the lender receives their expected yield even if you pay the loan off early.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding