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    Advisor-led commercial real estate financing

    Commercial real estate loans that fit your property.

    Don’t take the first offer. Take the best loan.

    Compare CMBS, bridge, DSCR, SBA 504/7(a), construction, and permanent financing across 30+ commercial lenders — from $250K to $50M+, on multifamily, retail, office, industrial, hospitality, and mixed-use. No credit impact to check your options.

    See my CRE loan options How CRE financing works
    • No credit impact to check your options
    • 30+ CRE, agency & bridge lenders
    • $250K – $50M+ · Free to borrowers

    Apply your CRE loan in 1 minute

    Tell us about the property and what you're financing. No rent roll, T-12, or appraisal needed to start.

    No credit pull to apply — no cost, and no obligation to accept terms.

    Benchmark rates

    Commercial lending indices

    Live
    10-YR Treasury
    —
    Fixed-rate benchmark
    5-YR Treasury
    —
    Mid-term benchmark
    SOFR
    —
    Variable-rate benchmark
    Prime rate
    —
    SBA 7(a) benchmark

    Source: Federal Reserve (FRED) · Updated daily

    Find the best loan for you

    Answer at your own pace — what you can borrow, your best-fit loans, rates and payment update live. No credit check.

    • No credit check
    • Nothing is sent unless you ask
    • Rates as of September 2026
    What is the money for?
    How much do you need?
    $500K
    Business revenue per year
    $1M

    Profit margin, before loan payments

    Time in business

    All owners U.S. citizens? SBA rule — a green card doesn’t count

    When do you need it?
    Credit score best guess — no check
    How it works

    Three steps from application to funding.

    The application takes a minute. Your advisor call is where your real options start — so book it right after you apply.

    1. Apply & book your call

      About 1 minute

      Share the property, loan amount, and timeline — no documents needed. When you submit, a calendar opens: pick a time to talk with your advisor.

    2. Meet your advisor

      30-min call · Free · No obligation

      Your advisor answers your questions, lists the documents lenders will need, then takes your deal to the lenders that fit it and finds out who will fund it. This call is where your options start.

    3. Choose the best offer

      You decide

      Your advisor brings back the terms lenders offer, side by side, and recommends the one that works best for you. You choose — and the same advisor stays with you through closing.

    Apply & book your call

    No credit pull to apply · Free · No obligation

    Loan programs

    Every CRE Financing Structure, One Platform

    Start from what you need to do — buy, refinance, pick a structure, or learn the basics. 12 ways in, one advisor.

    01

    Buy, build or invest

    Financing matched to what you are doing with the property.

    02

    Refinance

    Replace, restructure or pull equity from a loan you already have.

    03

    Loan programs

    The loan structures lenders offer, and when each one fits.

    04

    Guides & rates

    How CRE lending works, what lenders ask for, and today’s rates.

    All CRE financing in the Loan Hub
    Property types

    Financing for Every Property Class

    Each property type has unique lending criteria, risk profiles, and lender preferences. Find specialized financing matched to your asset.

    View all property types
    CRE calculators

    24 Professional-Grade Financial Tools

    Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

    Try one now

    25-year amortization

    Debt service coverage 1.38x ✓ Strong — Full Program Access Monthly payment $7,228 Open the full calculator

    Loan Analysis

    Investment Returns

    Refinance & Costs

    Lease & Valuation

    Open calculator hub
    Platform comparison

    One relationship, every CRE capital source.

    A structural comparison of marketplace coordination versus going directly to a single lender — not a judgment of any lender's quality.

    • BestLoanUSA 11/11 standard
    • Traditional bank 3/11 standard
    • Debt fund / bridge lender 2/11 standard
    Feature Marketplace platform Direct providerTraditional bank Direct providerDebt fund / bridge lender
    Access to 30+ CRE lenders Banks, agency, CMBS, debt funds, SBA Standard – Not typically available – Not typically available
    Side-by-side term sheet comparison Standard – Not typically available – Not typically available
    Dedicated advisor through closing Standard ~ Limited or case-by-case ~ Limited or case-by-case
    Agency multifamily Fannie Mae / Freddie Mac Standard ~ Limited or case-by-case – Not typically available
    CMBS / conduit execution Standard ~ Limited or case-by-case – Not typically available
    Bridge & hard money for fast closings Standard – Not typically available Standard
    SBA 504 / 7(a) for owner-occupied Standard Standard – Not typically available
    Construction & value-add financing Standard ~ Limited or case-by-case Standard
    Non-recourse structures Standard – Not typically available ~ Limited or case-by-case
    Transparent fee disclosure Standard Standard ~ Limited or case-by-case
    No obligation to accept Standard Standard ~ Limited or case-by-case
    • Standard
    • ~ Limited or case-by-case
    • – Not typically available

    Not sure which route fits your property? Tell us the deal and we'll show you what each source would realistically offer.

    Start now

    Advisor note

    We compare bank, agency, CMBS, and private capital side by side and walk you through the trade-offs — leverage, recourse, prepayment, and timing — before you commit. Our role is to present appropriate structures for your property, not to push a specific lender. We're on your side of the table, working our lender network until we find the option that's genuinely best for you.

    Platform context

    This comparison reflects structural differences in how commercial financing is coordinated, not a judgment of individual lender quality. Each route serves different property types, timelines, and sponsor profiles.

    BestLoanUSA functions as a marketplace coordinator, providing access to both traditional and alternative capital sources through a single advisory relationship.

    Our 6 commitments to every borrower

    Our commitments to you.
    In writing.

    Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the advisor we wished we'd had on our side of the table.

    • $0 To Apply or Talk

      You never pay us to apply or to get advice. Lender fees and our compensation are shown in writing before you sign anything.

    • 48hr First Read

      Within 48 hours, your advisor tells you which lenders fit your deal and what to expect — not weeks or months of silence.

    • 1 Dedicated Advisor

      One point of contact from application to closing. No handoffs, no ghosting, no runaround.

    • Day 1 Complete Checklist

      Full document requirements on your first call. No mid-process surprises asking for "one more thing."

    • 100% Side-by-Side

      Every offer laid out the same way: rate, fees, term, prepayment. If a lender changes terms before closing, we flag it and explain why — before you sign.

    • 1 min Application

      One simple form, multiple lender options. Stop repeating yourself to dozens of brokers.

    Start your free application

    No commitment required

    How every deal runs with us — illustration

    Why work with an advisor

    Five things every borrower deserves.

    Commercial lending isn't hard because it's complicated. It's hard because nobody walks you through it.

    1. 48 hours to clarity. You'll know exactly where you stand — not wonder for months.
    2. Every dollar in writing. Rate, lender fees and our compensation in one written comparison — and any change flagged before you sign.
    3. One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
    4. Full checklist, first call. Every document listed upfront. No mid-process surprises.
    5. We earn only when your loan closes. Paid from the broker fee, disclosed in writing. No upfront fees — our only incentive is your funded deal.
    “Every commercial borrower deserves to see their real options side by side before they commit. That’s the whole idea behind BestLoanUSA.”
    David Choi Founder, BestLoanUSA
    See the difference yourself
    Where the property is matters

    Commercial real estate loans by state

    Compare all 50 states →

    Transfer and mortgage taxes, foreclosure rules and C-PACE change at the state line — each guide lists them with sources.

    Learn before you borrow

    Latest financing guides

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