Commercial Loans
Traditional bank-rate financing solutions for established businesses seeking substantial capital for growth.
Commercial Loan Overview
Commercial loans provide established businesses with significant capital for major investments, real estate purchases, business expansions, and other substantial business expenses.
At iCapital Funding, we offer competitive commercial loan solutions with favorable terms and competitive rates through our network of banking partners and private lenders.
Commercial Loan Solutions
We offer a variety of commercial loan options to meet your specific business needs.
Commercial Real Estate Loans
Finance the purchase, refinance, or renovation of commercial property.
- Up to 25-year terms
- Fixed and variable rate options
- Up to 85% LTV financing available
Business Term Loans
Secure substantial capital for major business investments and expansion.
- Terms from 3 to 10 years
- Predictable monthly payments
- Higher loan amounts with competitive rates
Commercial Lines of Credit
Flexible access to capital when your business needs it most.
- Draw funds as needed
- Only pay interest on what you use
- Revolving credit that replenishes as you repay
Construction Loans
Fund new construction or major renovation projects for your business.
- Interest-only payments during construction
- Converts to permanent financing upon completion
- Draws available as construction progresses
Business Acquisition Loans
Finance the purchase of an existing business or franchise.
- Finance up to 90% of business value
- Terms up to 10 years
- Can include working capital in loan amount
Commercial Refinancing
Refinance existing commercial debt to improve terms and cash flow.
- Lower monthly payments
- Consolidate multiple loans
- Potential to access equity for other needs
Benefits of Commercial Loans
Commercial loans offer several advantages for established businesses seeking substantial capital.
Lower Interest Rates
Commercial loans typically offer more competitive interest rates than alternative financing options, reducing your cost of capital.
Longer Terms
Enjoy extended repayment periods that reduce monthly payment amounts and improve cash flow for your business.
Higher Loan Amounts
Commercial loans provide access to substantial capital for major investments, acquisitions, and expansion projects.
Tax Benefits
Interest paid on commercial loans is typically tax-deductible as a business expense, providing potential tax advantages.
Build Business Credit
Establishing and maintaining commercial loans can strengthen your business credit profile for future financing needs.
Preserve Working Capital
Financing major expenses allows you to preserve cash reserves for day-to-day operations and unexpected needs.
Commercial Loan Eligibility
Commercial loans typically require more established businesses with strong financials.
Typical Requirements
- Business History
Typically 2+ years in business
- Revenue Requirements
Generally $250,000+ in annual revenue
- Credit Profile
Typically 680+ credit score for primary owners
- Cash Flow
Demonstrated ability to service the debt
Required Documentation
- Financial Statements
2-3 years of business financial statements
- Tax Returns
2-3 years of business and personal tax returns
- Business Plan
Detailed business plan (for newer businesses or expansion projects)
- Collateral Documentation
Details on available collateral (for secured loans)
Don't meet all the requirements? We offer alternative funding solutions that may better suit your current business situation.
Speak to a Lending Specialist to Learn MoreCommercial Loan Process
Our streamlined process helps you navigate commercial financing with expert guidance every step of the way.
Initial Consultation
Meet with our lending specialists to discuss your financing needs and explore options.
Application & Documentation
Complete our commercial loan application and provide required financial documentation.
Underwriting
Our team reviews your application and works with our lending partners to secure approval.
Closing & Funding
Review and sign final loan documents and receive funding to fuel your business growth.
Frequently Asked Questions
Get answers to common questions about commercial loans.
How long does it take to get a commercial loan?
The timeline for commercial loans typically ranges from 30-90 days from application to funding, depending on the complexity of the loan, property type (for real estate loans), and completeness of your application.
What is the minimum credit score needed for a commercial loan?
While requirements vary by lender and loan type, most commercial lenders look for a credit score of 680 or higher for primary business owners. Some specialized programs may be available for lower credit scores.
How much down payment is required for commercial loans?
Commercial loans typically require a down payment of 10-30%, depending on the loan type, property type (for real estate), and your qualifications. SBA loans may offer lower down payment options.
Can I get a commercial loan for a startup business?
Traditional commercial loans are typically challenging to obtain for startups with less than 2 years in business. However, we offer alternative funding solutions and SBA loans that may be more suitable for newer businesses.
What are typical commercial loan interest rates?
Commercial loan interest rates vary based on several factors including loan type, term length, credit profile, and current market conditions. Rates can be fixed or variable and typically range from 3.5% to 7% for well-qualified borrowers.
Ready to Secure Financing for Your Business?
Apply now for a commercial loan and take the next step toward achieving your business goals.