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Commercial Loans

NEED FINANCING TO BUY, BUILD OR GROW YOUR BUSINESS?

Commercial Financing Solutions Built Around Your Property, Business & Goals


Buying commercial property?

Purchasing a business?

Refinancing? Expanding?

Need working capital or equipment financing?

Let us review your scenario and help identify financing options that may fit.


Commercial Real Estate • SBA • Business Acquisition • Apartment & Multi-Unit • Retail • Office • Warehouse • Gas Station • Motel • Construction • Bridge • Equipment Financing

 

30+ YEARS OF MORTGAGE EXPERIENCE

EXPERIENCED UNDERWRITER REVIEW

DON’T GUESS IF YOUR DEAL WILL QUALIFY — LET US REVIEW IT.
 

→ GET YOUR COMMERCIAL LOAN OPTIONS


COMMERCIAL & BUSINESS LOANS

Financing Solutions for Commercial Real Estate, Business Acquisitions & Investment Opportunities

30+ Years of Mortgage Experience • Underwriter Review • Multiple Financing Solutions


Every commercial transaction is different. Whether you are purchasing commercial real estate, refinancing an existing property, buying a business, expanding your operation, purchasing equipment, or looking for short-term financing, MGB Financial Services, Inc. can help you explore financing options for your specific situation.

Not Sure Which Commercial Loan You Need?

That's okay — start with us.


Commercial financing can be complicated. Instead of trying to figure out which program fits on your own, tell us about your property, business and financing goals.

With 30+ years of mortgage experience and underwriting expertise, we can review your scenario and help identify financing options that may fit.


[ GET A FREE COMMERCIAL LOAN REVIEW ]

[ START COMMERCIAL LOAN APPLICATION ]

Call: 562-809-2643


WHAT ARE YOU FINANCING?

🏢 Commercial Real Estate

Purchasing or refinancing commercial property?

Financing may be available for:

• Office Buildings
• Retail Properties
• Shopping Centers
• Industrial Properties
• Warehouses
• Mixed-Use Properties
• Owner-Occupied Commercial Buildings
• Investment Commercial Properties
• Medical & Professional Buildings
• Other Eligible Commercial Properties


[ EXPLORE COMMERCIAL PROPERTY FINANCING → ]



🏘 Apartment & Multifamily Properties

Financing solutions may be available for qualified apartment and multifamily investors looking to purchase, refinance, improve, or reposition a property.

Programs may include conventional commercial financing, bridge financing and other investment-property solutions.


[ FINANCE AN APARTMENT BUILDING → ]



⛽ Gas Stations & Convenience Stores

Buying or refinancing a gas station or convenience store can involve both the business and the real estate.

Depending upon the transaction, financing may be available for:

• Business Acquisition
• Commercial Real Estate
• Equipment
• Improvements
• Eligible Working Capital
• Expansion
• Refinance


[ REVIEW MY GAS STATION LOAN → ]



🍾 Liquor Store Financing

Looking to purchase an existing liquor store or finance a property associated with the business?

Depending upon eligibility and transaction structure, financing options may be available for:

• Business Acquisition
• Commercial Real Estate Purchase
• Equipment
• Expansion
• Eligible Working Capital
• Refinance

[ REVIEW MY LIQUOR STORE PURCHASE → ]



🍽 Restaurant Financing

Restaurant transactions often involve several financing needs at the same time.

We can help explore financing for eligible:

• Restaurant Acquisitions
• Commercial Property Purchases
• Equipment
• Improvements
• Expansion
• Working Capital


[ EXPLORE RESTAURANT FINANCING → ]



🏨 Motel & Hotel Financing

Financing solutions may be available for qualified hospitality properties, including:

• Motel Purchases
• Hotel Purchases
• Refinance
• Renovation & Improvements
• Property Expansion
• Bridge Financing
• Eligible SBA Financing


[ REVIEW MY MOTEL / HOTEL LOAN → ]



🏪 Business Acquisition Loans

Found an established business you want to purchase?

Depending on the business, borrower qualifications and transaction, financing may be available for:

• Existing Business Purchases
• Business + Real Estate Acquisitions
• Equipment
• Inventory
• Eligible Working Capital
• Expansion


[ I WANT TO BUY A BUSINESS → ]


COMMERCIAL FINANCING PROGRAMS

Commercial Real Estate Loans

Commercial real estate financing may be used to purchase or refinance eligible owner-occupied or investment commercial properties.

Loan structure will depend upon factors such as property type, occupancy, cash flow, borrower qualifications and the proposed transaction.


[ CHECK COMMERCIAL LOAN OPTIONS → ]



SBA 7(a) Financing

SBA 7(a) financing may be an option for qualified small-business owners.

Eligible uses may include:

• Business Acquisition
• Owner-Occupied Commercial Real Estate
• Equipment
• Business Expansion
• Eligible Working Capital
• Certain Refinancing Transactions

SBA requirements and lender guidelines apply.

[ ASK ABOUT SBA FINANCING → ]



SBA 504 Financing

SBA 504 loans are generally designed to help qualified businesses acquire major fixed assets.

Eligible transactions may include:

• Owner-Occupied Commercial Real Estate
• Buildings
• Major Equipment
• Construction
• Eligible Property Improvements

[ EXPLORE SBA 504 OPTIONS → ]



Bridge & Short-Term Commercial Loans

Sometimes a transaction cannot wait for traditional financing.

Bridge financing may provide a temporary financing solution for eligible borrowers who need to:

• Close Quickly
• Purchase Before Permanent Financing Is Ready
• Renovate or Stabilize a Property
• Reposition an Investment
• Refinance Short-Term Debt


[ I NEED A FASTER CLOSING → ]


Commercial Construction Loans

Planning a commercial construction or development project?

Financing options may be available for eligible:

• Ground-Up Construction
• Commercial Property Development
• Building Expansion
• Major Improvements
• Owner-Occupied Projects
• Investment Projects


[ DISCUSS MY CONSTRUCTION PROJECT → ]


Equipment Financing

Purchasing equipment can require significant capital.

Equipment financing may help eligible businesses acquire necessary machinery, vehicles and other business equipment while preserving working capital.

[ FINANCE BUSINESS EQUIPMENT → ]



Business Lines of Credit & Working Capital

Businesses sometimes need access to capital for day-to-day operations, growth or unexpected expenses.

Depending upon eligibility, financing may be available for:

• Working Capital
• Inventory
• Expansion
• Operating Expenses
• Seasonal Business Needs


[ EXPLORE BUSINESS FINANCING → ]


DOES YOUR COMMERCIAL LOAN NOT FIT THE TYPICAL BANK BOX?

Let an Experienced Underwriter Review Your Scenario

Commercial financing isn't always straightforward.

You may have:

✓ Complex Tax Returns
✓ Multiple Businesses
✓ Self-Employment Income
✓ Business + Real Estate Purchase
✓ Investment Property
✓ A Unique Property Type
✓ A Time-Sensitive Closing
✓ A Previous Bank Decline
✓ An Unusual Financing Scenario

A bank decline does not necessarily mean that every financing option has been exhausted.


At MGB Financial Services, Inc., we look at the overall transaction and help explore available financing solutions.

30+ YEARS OF MORTGAGE EXPERIENCE

UNDERWRITER REVIEW OF YOUR LOAN SCENARIO

[ HAVE AN UNDERWRITER REVIEW MY LOAN → ]


BUYING BOTH THE BUSINESS AND THE PROPERTY?

Many commercial transactions involve more than simply financing a building.

For example, you may be purchasing:

Business + Real Estate + Equipment + Inventory

Instead of looking at each piece separately, let us review the complete transaction.

We can help you understand the financing structure, possible down payment requirements and information that may be needed before you make your next move.


[ REVIEW MY BUSINESS & PROPERTY PURCHASE → ]


HOW THE COMMERCIAL LOAN PROCESS WORKS


1. Tell Us About Your Transaction

Give us the basic information about the property, business, purchase price, requested loan amount and your financing goals.


2. Underwriter Review

Your scenario is reviewed to better understand the strengths, challenges and possible financing paths.


3. Explore Available Options

We help identify commercial financing programs that may be appropriate for your transaction, subject to lender guidelines and qualification.


4. Documentation & Processing

Once a financing direction is selected, we help organize the documentation needed for the loan process.


5. Work Toward Closing

Our team works with the parties involved to help move the transaction toward closing.


[ START MY COMMERCIAL LOAN REVIEW → ]


WHAT WILL A COMMERCIAL LENDER LOOK AT?

Commercial financing is different from a standard residential mortgage.

Depending upon the program, lenders may consider:

• Borrower Credit
• Down Payment or Equity
• Property Type
• Property Cash Flow
• Business Cash Flow
• Debt Service Coverage
• Business Experience
• Tax Returns and Financial Statements
• Purchase Price
• Appraised Value
• Available Reserves
• Business History
• Proposed Use of Funds


Don't know whether you qualify?

You don't have to figure it out yourself.

Let us review the scenario first.

[ FIND OUT IF MY DEAL MAY QUALIFY → ]


COMMERCIAL FINANCING QUICK REVIEW

Tell Us About Your Deal

Complete the information below and let us take a first look at your commercial financing needs.

Name

Phone

Email

Property / Business Type

What Are You Trying to Do?

□ Purchase Commercial Property
□ Refinance
□ Purchase a Business
□ Purchase Business + Real Estate
□ Construction
□ Equipment Financing
□ Working Capital
□ Bridge Financing
□ Other

Purchase Price / Property Value

Requested Loan Amount

Down Payment / Available Equity

Approximate Credit Score

Property or Business City & State

Briefly Describe Your Transaction


[ GET MY COMMERCIAL LOAN REVIEW → ]

Not sure which loan program you need? No problem. Tell us what you're trying to accomplish and we'll help you explore your options.


WHY WORK WITH MGB FINANCIAL SERVICES?

30+ Years of Mortgage Experience

Commercial financing can involve complex income, property, business and underwriting issues. Experience matters when determining how a transaction may be structured.

Underwriting Expertise

We don't want you simply filling out an application and wondering what happens next.

Your financing scenario can receive an experienced underwriting review to help identify potential issues and financing paths.

Multiple Financing Solutions

We help explore financing for a wide range of commercial real estate and business needs rather than limiting the conversation to a single loan type.

Personalized Service

Your transaction is more than a loan number. We take the time to understand what you're buying, why you need financing and what you're trying to accomplish.


HAVE A COMMERCIAL DEAL? START WITH A CONVERSATION.


Whether you're buying your first commercial property, expanding an existing business, acquiring another company or investing in a new opportunity, the first step is understanding your financing options.

MGB FINANCIAL SERVICES, INC.

30+ Years of Mortgage Experience

Experienced Underwriter Review

Phone: 562-809-2643
Email: Loan@MGBFinancial.com
Website: www.MGBFinancial.com


[ GET A COMMERCIAL LOAN REVIEW ]

[ START MY APPLICATION ]

[ CALL 562-809-2643 ]


All loans are subject to lender underwriting guidelines, borrower and property qualification, credit approval, appraisal where applicable, and program availability. Loan programs, terms, rates, fees and eligibility requirements are subject to change. SBA financing is subject to applicable SBA and participating lender requirements. This information is for general informational purposes and is not a commitment to lend.

Financing built for your business, not just your budget.

Commercial loans are financing products provided by banks, credit unions, or alternative lenders to businesses — not individuals — for business-related purposes, like buying property, equipment, or covering operational expenses.

Common Uses

What are commercial loans used for?

A few examples of how businesses put commercial financing to work.

Real Estate Acquisition Buying an office building, retail space, or warehouse
Working Capital Covering day-to-day operations or payroll
Equipment Financing Purchasing machinery, vehicles, or computers
Inventory Financing Buying large quantities of inventory
Business Expansion Opening new locations, renovating facilities

Get pre-qualified.

Fill out the commercial application to see which loan type fits your business.

Fill Out the Commercial Application
Options

Types of commercial loans.

Compare structures built for different needs — acquisition, cash flow, equipment, and growth.

01

Commercial Real Estate Loans

CRE
  • Used to buy or refinance owner-occupied or investment properties
  • Typical term: 5–20 years, amortized over 20–30 years
  • Often requires a 20–30% down payment
  • Examples: office buildings, apartment complexes, shopping centers
02

SBA Loans

Government-Backed
  • Backed by the U.S. Small Business Administration — lower rates and longer terms
2a · Most Popular

SBA 7(a) Loan

  • Up to $5 million for working capital, expansion, equipment, or real estate
  • Terms: 10–25 years
2b · Fixed Assets

SBA 504 Loan

  • For long-term, fixed-asset financing — real estate, equipment
  • Structure: 50% bank loan, 40% CDC, 10% down payment
03

Business Lines of Credit

Revolving Credit
  • Revolving credit — similar to a credit card
  • Access up to a set limit, only pay interest on the amount drawn
  • Useful for managing cash flow and seasonal expenses
04

Equipment Loans

Self-Collateralizing
  • Secured by the equipment being purchased
  • Easier to qualify — self-collateralizing
  • Terms: 3–10 years, depending on the asset's lifespan
05

Bridge Loans

Short-Term
  • Short-term financing to "bridge" a gap until long-term financing is secured
  • Higher interest rates, faster approval
06

Commercial Construction Loans

Build-to-Mortgage
  • Used to build a new facility
  • Funds released in stages (draws) as construction progresses
  • Converted into a mortgage when construction is complete
HAVE A COMMERCIAL DEAL? LET’S SEE HOW WE CAN FINANCE IT. SUBMIT YOUR SCENARIO FOR REVIEW →
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