Funding Solutions
Stop Paying Someone Else's Mortgage With Your Rent
Every rent check builds your landlord's equity. A commercial real estate loan lets you own your space, build generational wealth, and lock in occupancy costs that don't increase when your lease renews.
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Commercial Real Estate Loans
Commercial real estate (CRE) financing enables your business to purchase, refinance, or renovate the property where you operate — or to invest in commercial property as a revenue-generating asset. For business owners currently paying rent, buying your space is one of the most powerful long-term financial moves available: you convert a monthly expense into equity, lock in your occupancy costs, and create an asset that appreciates over time while your competitors face rising rents.
Granton Hale Capital connects businesses with CRE financing solutions from $250K to $50M for every property type — office buildings, retail storefronts, industrial warehouses, mixed-use developments, medical facilities, and multi-family commercial properties. We work with a network of conventional lenders, SBA 504 program lenders, and private capital sources to match your deal with the optimal financing structure based on property type, loan-to-value requirements, and your business profile.
Our CRE team has facilitated thousands of property transactions and understands that commercial real estate deals move on their own timeline — appraisals, environmental assessments, title work, and zoning confirmations all add complexity. We streamline the process by pre-qualifying your deal, coordinating third-party reports, and keeping all parties aligned. For time-sensitive acquisitions, we can also provide bridge financing to secure the property while conventional CRE financing finalizes.
Ideal For
Amount
$250K–$50M
Term
5–25 Years
- Business owners purchasing the building where they operate
- Investors acquiring commercial rental properties
- Companies expanding to new physical locations
- Operators refinancing existing commercial mortgages at better rates
- Developers renovating or converting commercial properties
- Medical, dental, and veterinary practices purchasing their own facility
Why Choose This Product
Key Benefits
Build Equity Instead of Paying Rent
Every mortgage payment builds ownership equity in an appreciating asset. Over 10–15 years, you'll own a property outright — an asset that can be sold, leased, or borrowed against. Rent payments build nothing.
Lock In Occupancy Costs
A fixed-rate commercial mortgage means your occupancy cost stays the same for the life of the loan. No more rent increases, lease renegotiations, or the risk of being displaced by a landlord who sells the building.
Additional Revenue Through Leasing
Many owner-occupied commercial properties have more space than the business needs. Lease out the extra space to generate rental income that offsets your mortgage payment — in many cases covering it entirely.
Significant Tax Benefits
Commercial property ownership provides substantial tax advantages: mortgage interest deduction, property depreciation, operating expense deductions, and potential 1031 exchange benefits when you sell. These can materially reduce your effective tax rate.
The Challenge
Problems This Solves
Rising Commercial Rents
Commercial rents in most markets have increased 30–50% over the past decade. A business paying $8K/month in rent in 2015 may now face $12K or more — a $48K annual increase that goes entirely to the landlord. Ownership freezes this cost.
Lease Insecurity and Displacement Risk
When your lease expires, the landlord can raise the rent dramatically, refuse to renew, or sell the building to a buyer who wants the space. Businesses that have invested hundreds of thousands in tenant improvements face losing everything.
Complex CRE Financing Process
Commercial real estate loans involve appraisals, environmental Phase I and II reports, title searches, zoning verification, and extensive financial documentation. Without experienced guidance, the process can stall for months or result in unfavorable terms.
Large Down Payment Requirements
Conventional CRE loans typically require 20–30% down, which on a $2M property means $400K–$600K. SBA 504 loans can reduce this to 10%, and we help identify the lowest down payment option available for your specific situation.
Use Cases
How Businesses Use This Funding
Owner-Occupied Office Purchase
An accounting firm with 25 employees purchases a $1.8M office building using an SBA 504 loan. They put 10% down ($180K), lease the second floor to a law firm for $6K/month, and their total occupancy cost drops below what they were paying in rent.
Industrial Warehouse Acquisition
A distribution company outgrowing their leased warehouse purchases a $4.5M, 50,000 sq. ft. industrial facility with a conventional CRE loan. The larger space accommodates $2M in additional annual revenue capacity.
Medical Practice Facility Purchase
A group dental practice with 4 dentists purchases a $3.2M medical-zoned building to consolidate two leased locations, improve patient experience, and eliminate $22K/month in combined rent payments.
Retail Strip Center Investment
A business owner with a successful restaurant purchases a $2.8M retail strip center, occupying one unit for their restaurant and leasing 4 other units to tenants. Net rental income covers the mortgage and generates $4K/month in additional profit.
Bridge Loan for Time-Sensitive Acquisition
A manufacturing company needs to close on a $6M factory within 30 days (seller's requirement). Granton Hale Capital provides a 12-month bridge loan to acquire the property, which is refinanced into a conventional 20-year CRE loan within 90 days.
Commercial Refinance for Cash-Out
A business owner with $1.5M in equity in their commercial property refinances with a new CRE loan, pulling out $600K in cash to fund a second business location while locking in a lower interest rate than their original mortgage.
FAQ
Frequently Asked Questions
What types of commercial property can you finance?
We finance virtually every type of commercial property: office buildings, retail centers, industrial warehouses, manufacturing facilities, medical and dental offices, mixed-use properties, multi-family (5+ units), self-storage facilities, automotive service centers, and more. Special-purpose properties like gas stations, car washes, and hotels are also eligible through specialized lending programs in our network.
What's the minimum down payment for a commercial real estate loan?
Down payment requirements vary by program. SBA 504 loans require as little as 10% down, making them the most accessible option for owner-occupied properties. Conventional CRE loans typically require 20–25% down. Investment properties (not owner-occupied) generally require 25–30% down. We analyze your specific situation to find the lowest down payment option available.
How long does a commercial real estate loan take to close?
Conventional CRE loans typically close in 45–60 days. SBA 504 loans take 60–90 days due to the additional government approval layer. These timelines include appraisals, environmental assessments, title work, and final underwriting. If you need to close faster, we offer bridge financing that can close in 2–3 weeks, which you refinance into permanent CRE financing afterward.
Can I get a CRE loan for a property I'll also rent out?
Yes, and this is actually one of the smartest strategies in commercial real estate. Many SBA 504 loans require the business to occupy at least 51% of the property — you can lease the remaining 49% to tenants. For non-SBA loans, investment properties are also eligible but may require a higher down payment and carry slightly different rate structures.
What if the property needs renovation?
We offer CRE loans that include renovation costs built into the financing. The total loan amount covers both the purchase price and the renovation budget, disbursed in phases as renovation milestones are completed. SBA 504 loans can also include renovation and improvement costs. This means you don't need separate financing for the purchase and the buildout.
Is it better to buy or continue leasing my commercial space?
The general rule is: if you plan to be in the same location for 5+ years, buying almost always wins. You build equity, lock in costs, gain tax benefits, and create an asset you can sell or lease. However, if your business is rapidly growing and may need a very different space in 2–3 years, leasing provides flexibility. We can run the numbers on your specific situation — rent vs. own — to help you make a data-driven decision.
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