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Commercial Real Estate Guide

Interested in purchasing real estate for your Oklahoma small business, but aren't sure where to start? Get the information you need with our Commercial Real Estate Guide.

Contact a commercial loan officer
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  4. Commercial Real Estate Guide
Interested in purchasing real estate for your Oklahoma small business, but aren't sure where to start? Get the information you need with our Commercial Real Estate Guide. Contact a commercial loan officer

Commercial Real Estate 101

Purchasing real estate is a big move for your small business. You'll want to find out everything you need to know about commercial real estate loans before you take the plunge. We're happy to help you get started. 

Why should I take out a commercial real estate loan?

  • Expanding your established business
  • Renovate existing property
  • Opportunity to build equity
  • Potentially gain tax advantages
Contact a commercial loan officer

Commercial Real Estate Loans vs. Residential Real Estate Loans

Here are a few key differences in commercial real estate loans.

  • The real estate must be an income earning property or support your income producing business
  • Commercial mortgages are commonly made to a company, not an individual
  • Down payments typically range from 20-30% of the loan
  • Commercial lenders can customize the repayment schedule to each borrower’s specific requirements
Contact a commercial loan officer

What do lenders look at?

  • Your individual credit score
  • Property information
  • Loan-to-value ratio
  • Time in business
  • The nature of your business
  • The business’ liquidity and cash flow
Read more commercial loan faqs

Tips to keep you prepared for the next big step

  • Have a detailed business plan and strategy for the property
  • Be prepared to provide proof of business revenue and profits
  • Be prepared to answer background questions regarding the property and your cash flow
  • Choose the loan terms that allow you to comfortably repay your loan each month
  • Keep documents and statements readily available
View required documents
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FOR PEOPLE, NOT PROFIT

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