Key facts
- Most commercial loans fall between 65% and 80% LTV [1].
- Commercial lenders generally want DSCR of 1.20 to 1.50 [1].
- Amortization often runs 25–30 years on a 5–10 year term, leaving a balloon [1].
- CR Equity AI small balance commercial loans run $100K–$100M from 11%, with LTV set by asset class [3].
The main types of commercial real estate loans
- Permanent mortgages for stabilized, income-producing property [1].
- Bridge loans for acquisitions, repositioning and lease-up [1].
- SBA loans for owner-operated businesses [1].
- DSCR loans qualified on the property’s income [1].
Typical requirements
| Metric | Typical range |
|---|---|
| LTV | 65%–80% [1] |
| DSCR | 1.20–1.50 [1] |
| Term | 5–20 years [1] |
| Amortization | 25–30 years, often with a balloon at maturity [1] |
| Down payment | 10%–35% [1] |
| Origination | 0.5%–2% [1] |
| Legal and closing | 1%–5% [1] |
DSCR is NOI divided by annual debt service; below 1.0 the property does not cover its debt [1]. A lower LTV usually earns a better rate [1].
Why speed is the hard part
Bank and committee-driven commercial lenders can take 45 to 90 days to fund, with weeks of waiting for a first answer and an appraisal [2]. That timeline loses competitive deals and leaves value-add properties stuck between owners.
How CR Equity AI lends on commercial property
CR Equity AI is a direct lender for business-purpose commercial real estate that decides with its own capital [2].
Small balance commercial
$100K–$100M for income-producing property, from 11%, with maximum LTV by asset class [3]:
| Asset class | Max LTV |
|---|---|
| Multifamily | 80% |
| Retail | 70% |
| Industrial / storage / mixed-use | 65% |
| Office / hospitality | 60% |
| Land | 55% |
Commercial bridge
$75K–$100M, 10.99% rate floor, 1.50% origination, up to 24 months plus up to 36 months of stabilization [4]. See our bridge loan guide.
Commercial DSCR
Qualified on property income, up to 70% LTV on commercial purchases [5].
All three share the same process: valuation in minutes through AIVAA™, a decision in about 4 hours on a complete file, and a soft credit pull to quote [3]. RV and trailer parks are excluded [3].
Brokers placing commercial deals can register through the CR Equity AI broker program [6].
Frequently asked questions
What LTV do commercial real estate loans offer?
Most commercial loans fall between 65% and 80% LTV. CR Equity AI’s small balance commercial program sets maximum LTV by asset class, from 80% on multifamily to 55% on land.
What DSCR do commercial lenders require?
Generally 1.20 to 1.50, though programs vary.
Does CR Equity AI make commercial real estate loans?
Yes: small balance commercial loans from $100K to $100M, commercial bridge loans from $75K to $100M, and commercial DSCR loans, all business-purpose.
Get real terms on your deal: quick quote · submit a deal to CR Equity AI · all programs · FAQ · Brokers: join the broker programRelated CR Equity AI insights
- Hard Money Lenders: How They Work and How CR Equity AI Compares
- Hard Money Lenders Near Me: How to Vet a Lender Before You Sign
- Private Money Lenders vs. Hard Money Lenders: Which Fits Your Deal?
- 9 techniques for brokers to close more deals
Sources
- New Silver — Commercial loan terms and requirements
- CR Equity AI — Home
- CR Equity AI — Small balance commercial loans
- CR Equity AI — Commercial bridge loans
- CR Equity AI — DSCR refinance loans
- CR Equity AI — Non-QM real estate broker program
CR Equity AI, Inc. · NMLS ID 2797309 · Business-purpose loans only; not available for owner-occupied residences. Rates, fees and leverage reflect terms published on crequity.ai as of October 2026 and may change. Timelines are typical, not guaranteed. AIVAA™ outputs are indicative and are not an appraisal, approval or commitment to lend. All terms are subject to underwriting and are set on the executed term sheet. See policies & guidelines.