Commercial Real Estate
Financing options for eligible owner-occupied and investment properties, including office, retail, industrial, warehouse, and mixed-use assets.
Discuss this optionBravo Commercial
Commercial financing starts with the transaction.
We help real estate investors and business owners review business-purpose financing options through our network of commercial and specialty lenders.
Commercial loan options
Financing categories for commercial goals.
The appropriate structure depends on the property, business purpose, cash flow, borrower profile, experience, requested leverage, and lender guidelines.
Multifamily
Financing for eligible apartment buildings and multifamily properties with five or more residential units.
Discuss this optionBridge Financing
Short-term business-purpose financing for eligible acquisitions, transitions, repositioning, or time-sensitive commercial transactions.
Discuss this optionFix-and-Flip
Business-purpose financing for eligible residential investment property acquisition, renovation, and resale projects.
Discuss this optionCommercial Construction
Financing options for eligible ground-up construction, major renovation, and commercial development projects.
Discuss this optionDSCR and Rental Portfolios
Business-purpose financing evaluated primarily through eligible property cash flow for individual rentals and portfolios.
Discuss this optionAsset-Based and Hard Money
Financing where eligible property value, equity, and the transaction structure carry significant weight in underwriting.
Discuss this optionSBA 7(a)
Financing through participating SBA lenders for eligible business acquisitions, real estate, equipment, and working capital purposes.
Discuss this optionSBA 504
Long-term financing through participating lenders for eligible owner-occupied commercial real estate and major fixed assets.
Discuss this optionCMBS
Commercial mortgage-backed securities financing for eligible stabilized income-producing properties.
Discuss this optionPortfolio Lending
Commercial and business-purpose programs retained by lenders for transactions outside standard agency guidelines.
Discuss this optionSpecialty Commercial
Financing review for eligible hospitality, self-storage, automotive, healthcare, religious, and other specialized property types.
Discuss this optionProgram availability, property eligibility, loan amounts, leverage, rates, terms, guarantees, recourse, documentation, and closing timelines vary by lender and transaction. Not every program is available for every property or borrower.
Document preparation
Know what to prepare for each transaction.
Every file begins with sponsor, entity, property, and program-specific documents. Your secure portal creates the complete checklist and tracks Bravo's review.
Commercial purchase
- Executed purchase contract and amendments
- Earnest money deposit evidence
- Estimated settlement or closing statement
- Historical property operating results
- Proposed financing and equity structure
Commercial refinance
- Current loan statement
- Current payoff statement
- Original acquisition and documented cost basis
- Capital improvements completed
- Refinance purpose and requested terms
Cash-out refinance
- Current loan statement
- Current payoff statement
- Original acquisition and documented cost basis
- Capital improvements completed
- Detailed use of cash-out proceeds
Bridge loan
- Current payoff statement and debt breakdown
- Project budget and sources and uses
- Exit and repayment strategy
- Current as-is value support
- Evidence of sponsor investment
Construction loan
- Detailed sources and uses
- Construction budget with hard and soft costs
- Plans and specifications
- Permits, zoning, and approvals
- Construction contract
The final document request depends on the borrower, property, ownership structure, lender, and underwriting findings. Do not email sensitive personal or financial records.
Prepare your scenario
Start with the facts lenders need.
A complete overview helps our commercial team identify relevant lending channels and determine the next questions.
Open commercial calculatorWatch the calculator tutorial- Property address and property type
- Purchase price or requested loan amount
- Business purpose and use of proceeds
- Current rent roll or operating information
- Borrower experience and financial profile
- Requested timing and transaction status
Commercial applicant portal
Build a lender-ready file.
Create a secure account, save your application, upload supporting documents, and follow Bravo's pre-underwriting review.