Commercial Real Estate
Financing for the property your business operates from — or the assets that build your portfolio.
What it is
Commercial real estate (CRE) financing funds the purchase, refinance, or construction of business property: owner-occupied facilities you operate from, income-producing investment properties, and ground-up construction. Loans are secured by the property itself and underwritten against its value and the income it produces or supports.
Who it's for
Business owners who want to own rather than lease the space they operate from, investors acquiring income-producing property, and developers financing construction. Owning your facility can stabilize occupancy costs and build equity; investment and construction lending serve owners growing a real estate portfolio alongside their operating business.
How the structure works
Owner-occupied purchases are often well-suited to SBA 504 financing, which can require as little as 10% down and offers long, fixed terms. Investment properties are typically financed conventionally, underwritten on the property's debt-service coverage — its income relative to the loan payment. Construction loans fund in stages as the project progresses and usually convert to permanent financing on completion. Each path has a very different lender pool.
The Carraway approach
CRE financing is highly lender-specific — appetite varies enormously by property type, location, and use. We match the asset to lenders who actively want that class of property, then structure the loan around the income it produces and your long-term plan for it.
The right capital structure starts with one conversation.
Tell us about your business and what you're trying to accomplish. We'll tell you where you fit across our lender network — and whether we're the right partner for this deal.