Commercial

Long‑Term Permanent Loans

Fixed‑rate financing for stabilized properties with maturities of 5–30 years.

Permanent Financing for Stabilized Assets

Multifamily and commercial permanent loans provide competitive rates for stabilized buildings and borrowers in need of longer‑term funding. Once construction or major rehab is complete and the property is fully leased, permanent financing pays off short‑term bridge debt and locks in predictable payments.

These loans typically have maturities ranging from 5 to 30 years. They offer lower interest rates and longer amortizations than short‑term loans but require the property to be stabilized with strong net operating income and qualified borrowers. Permanent loans are an excellent way to reduce debt service costs and secure long‑term ownership of your investment.

Program Details

  • Property Types: Multifamily, manufactured home communities, office, retail, industrial, R&D flex, self‑storage, hotel/motel and more
  • Loan Size: $100k–$100M+
  • Fixed Term: 5–30 years (common loan programs or customizable)
  • Amortization: 15, 25, 30 years or interest only
  • Max Loan to Value: 75–80% for multifamily 5+ units | 70–75% for commercial properties
  • Debt Coverage Service Ratio: 1.2× minimum
  • Closing Time Frame: 45–60 days

Ready to Secure Long‑Term Financing?

Talk with our team to see if a permanent loan is right for your stabilized property.