Business Loans

Real Estate Business Loans

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Jul 24, 2022 • 1 min read
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Table of Contents

      Using a real estate business loan to purchase property can be a smart move for business owners. Whether you’re purchasing owner-occupied space for your own company or plan to lease out the property, real estate can be a beneficial asset to have on the books. Here’s what you need to know about the different types of small business real estate loans. 

      Loan TypeApproval / Funding TimelineLoan TermCredit Score MinimumTypical Down Payment
      Hard Money LoanFastShort-termNone20%
      Landlord Loans for Residential PropertiesSlowLong-term68025% to 30%
      Long-term Loans for Commercial PropertiesSlowLong-termVariesVaries
      Traditional Bank Lines of CreditSlowMid-termVariesNone
      SBA 504SlowLong-termNone10%
      Business Credit CardsFastOngoing / Revolving CreditVaries None
      Construction LoansSlowShort-termVaries20% or more
      Bridge LoansFastShort-termVariesUp to 30%
      Blanket LoansSlowMid-termVariesVaries
      Cash Out RefinanceSlowLong-termVaries25% to 30%
      About the author
      Lauren Ward

      Lauren Ward is a personal finance and tech writer with a passion to help consumers make smart financial decisions. Her work has appeared in a variety of publications, including Time and MSN. When she's not writing, she loves gardening and playing board games with her family.

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