Commercial Real Estate
No two loans are the same, so our products aren’t either.
When you’ve found the perfect commercial site, you don’t have time to wait. Buy Now, Refinance Later.
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WHY WAIT? BUY NOW, REFI LATER.
Does purchasing commercial property at today's rates concern you? Don’t let this impact your decision to buy. Close your loan with Crews Bank & Trust and know that if the rates go down, you can refinance for just $500.
No appraisal fees. No title insurance fees. No attorney fees. No recording fees.
To qualify for this program:
- At time of refinance, subject loan must not have any late payments of 10 days or more since origination.
- Loan must be refinanced within 24 months of loan closing.
- Subject mortgage must be in a first lien position.
- The property must be owner-occupied; investment properties are not eligible.
- Loan must have 20% down.
This promotion is one-time use. Refinance terms apply to rate and payment. All other terms of the note remain unchanged.
The Buy Now, Refi Later benefit applies to Crews Bank & Trust purchase mortgages. The Buy Now, Refi Later benefit is subject to revision or revocation by Crews Bank & Trust at any time without notice.
Loans subject to credit approval.
At Crews Bank & Trust, our local commercial real estate lending experts work with you to make it happen. We offer personal service, quick turnaround and a variety of terms at competitive fixed and floating loan rates. We offer a wide range of real estate loan products, including construction-to-permanent loans, owner-occupied property loans, and loans for cash-flowing investment commercial real estate.
Loans subject to credit approval.
Projects we’ll consider for financing include:
Purchase or construction
Refinance
Income Producing Property
Commercial mortgage financing (investment property)
Multi-family property
Owner-occupied mixed-use property
Is Buying or Renting Commercial Real Estate Right for You? Find Out with Our Quick Quiz!
Ready to make the right move for your business? Deciding whether to buy or rent commercial real estate is a huge step, and it’s not always clear what’s best for your company’s future. Our Buy or Rent Commercial Real Estate Quiz is here to help. Don't leave your business's next move to chance—take the quiz today and unlock the insights you need to make smarter, more confident real estate decisions that will set your business up for success!
FAQs
What is the process to get a commercial real estate loan?
Commercial real estate loans are mortgages used exclusively for commercial real estate, which is a business’s income-producing property.
Bankers are involved in the process of creating commercial real estate loans. When you’re working with a bank following information may be needed:
- Commercial loan application, fully completed and signed
- Three years of personal tax returns, including all K-1s (any borrower with 20 percent or more ownership in the proposed ownership will be required to provide this information)
- Three years of business tax returns
- Year-to-date balance sheet and income statement for the latest period
- Personal financial statement, fully completed and signed
- Verification of liquidity to acknowledge where the down payment is coming from (three months of bank statements that verify liquidity)
- Contract on sale and purchase of subject property
- If the property currently has or has had tenants, three years of financial statement on the subject property
- Copies of all leases for income-producing property purchases
Whether you’ve already identified a property to acquire or you’re just formulating dreams of acquiring new real estate, it’s the perfect time to talk to your Crews Bank & Trust lending professional. They will provide a quick and efficient answer on your loan request.
How do commercial real estate loans work?
Businesses use a commercial real estate loan to buy commercial property for income-producing purposes.
Commercial real estate loan terms typically include a term range from 5-20 years. The amortization period, which refers to the schedule of payments to pay off the loan, is typically longer than the loan term. For example, a commercial real estate (CRE) loan might have a term of seven years and a 30-year amortization, which means the monthly payments during the seven years are determined as if the loan were to be paid off over 30 years.
One of the key factors that differentiates Crews Bank from other banks is that we offer both fixed and adjustable rates. We’re not here to spring any surprises on you—not with payments or terms.
To learn more, contact us and we’ll be happy to provide guidance.
What types of commercial real estate does Crews Bank & Trust finance?
We offer a full range of commercial real estate loans that Florida business owners require. These CRE loans can be used for the following types of businesses or real estate properties:
- Multi-tenant retail centers
- Owner-occupied commercial real estate
- Investment commercial real estate
- Special purpose properties
- Office buildings
- Retail strip centers
- Multi-family apartments
- NNN investment restaurants
- Tenant-occupied CRE
- NNN investment commercial property
- Chain restaurants
What are the current interest rates for commercial real estate loans?
Commercial real estate loan interest rates fluctuate often and depend on the commercial real estate loan requirements and structure. The four main interest rate drivers include:
- Bank relationship: Are you currently banking with the lender you intend to receive a loan from?
- Product type: Will the property be owner-occupied or investment real estate?
- Market conditions: Are interest rates moving up or are they declining?
- Cash flow to service the proposed request: Do the borrower and guarantor have adequate cash flow resources to service the loan request?
From a banking perspective, the golden rule about interest rate pricing is “the lower the risk, the lower the rate.”
Typical down payments will vary based on real estate type. Owner-occupied will be a minimum of 20 percent cash equity injection. Real estate investment acquisitions will be a minimum of 30 percent cash equity injections.
Some banks will provide financing with the SBA 504 and SBA (7a) programs. Please ask your lending professional for more details regarding lower down payments for owner/occupied properties via this program. Commercial real estate loan structures could be up to 25-year amortizations with no balloon payment, no call, and no prepayment penalties.
Talk to your Crews lending professional — there’s a lot more information we can provide if you contact us.
What is the difference between a business term loan and a commercial real estate loan?
A business term loan is a specific amount of borrowed money that is paid back on a fixed schedule, or term. Term loans usually have a fixed interest rate or a variable rate that adjusts based on the market. Term loans are used for business needs, such as equipment purchasing or office space renovation.
A commercial real estate loan is an amount of money used specifically for property, either for the purchase of an already existing structure or to build the structure. The commercial real estate loan process can often be more stringent.
Why choose Crews Bank & Trust for your commercial real estate loan?
Our commercial real estate loans are as diverse as your needs. When you’ve found the perfect commercial site, Crews Bank & Trust’s local commercial real estate lending experts will help you secure it at a competitive rate. Our loan experts will walk you through the commercial real estate qualifications needed to acquire the loan.
We offer a full range of real estate loans, including acquisition and development, construction, and permanent loans. Over the years, we have provided loans for owner-occupied commercial real estate, investment commercial real estate, and special purpose properties.
Need commercial real estate loans explained in greater detail? Contact us today.
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Sarasota | Sarasota County
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Purchase
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Wauchula | Hardee County
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Purchase
Lake Placid | Highlands County
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$350,000
Refinance
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Purchase
Sarasota | Sarasota County
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$660,000
Purchase
Lakeland | Polk County
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Refinance
Port Charlotte | Charlotte County
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Refinance
Naples | Collier County
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Refinance
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Purchase
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SEE WHY LOCAL BUSINESSES CHOOSE TO WORK WITH US.
Miguel Centeno, Commercial Real Estate Investor
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