Commercial Mortgage

Our Services – Commercial Mortgage

Financing a commercial property is a different game than residential real estate. Lenders assess risk, revenue potential, and business viability—not just your personal credit.

At Anton Mortgage, we help business owners and investors secure the right financing for offices, retail, warehouses, and mixed-use spaces—navigating complex terms, lender expectations, and hidden risks with clarity.

What is a Commercial Mortgage?

A commercial mortgage is a loan used to purchase or refinance income-producing or business-use properties, such as:

• Retail stores

• Office buildings

• Industrial or warehouse space

• Mixed-use residential/commercial units

• Multi-unit (5+ units) residential properties

• Land for development

Unlike residential mortgages, commercial lending is more customized—rates, terms, and requirements vary widely based on the property and borrower profile.

Key Considerations in Commercial Financing

Larger Down Payments:
Expect to put 25%–35% down depending on the asset type, location, and lender.

Shorter Terms, Higher Rates:
Commercial loans often come with shorter amortizations, higher interest rates, and balloon payments. We help structure them strategically.

Income & Business Viability:
Approval depends heavily on net operating income (NOI), debt service coverage ratio (DSCR), and in some cases, your business’s financials or leases in place.

Appraisals & Environmental Reports:
Third-party assessments—like Phase I environmental studies—are often required. We manage the coordination and expectations.

Common Questions About Commercial Mortgages

How is commercial financing different from residential?
Residential mortgages are mostly based on personal credit and income. Commercial lenders care more about the property's revenue potential and whether it can cover the debt. Deals are more complex and often take longer to close.

What documents do I need?
Typical documentation includes:

• Property appraisal

• Rent roll or lease agreements

• Business financial statements or projections

• Environmental reports (if applicable)

• Proof of down payment and liquidity

We’ll guide you through exactly what’s required for your property type.

What’s the average approval time?
Expect 3–6 weeks, depending on the deal complexity and lender. Pre-approvals aren't always formal in commercial lending, but we can provide indicative terms early.

Can I buy under a corporation or holding company?
Yes—and many commercial deals are structured this way for liability or tax reasons. We work with lenders comfortable financing corporate and numbered entities.

How Anton Mortgage Supports Your Commercial Deal

Tailored Lender Matching:
We know which lenders specialize in which property types—and which ones to avoid for certain deals.

Deal Structuring Expertise:
We help optimize your DSCR, assess cap rates, and identify red flags before a lender does—saving time and rework.

Clear Communication:
We translate term sheets, rate structures, and legal conditions into plain language—so you know exactly what you're agreeing to.

Full Coordination:
From appraisal to lawyer to closing day—we manage timelines and paperwork so your deal stays on track.

Buying, building, or refinancing commercial real estate?
Book a strategy call with Anton Mortgage and get an experienced partner on your side—who speaks both business and banking.