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Real Estate Business Loans

1 min read • Jul 24, 2022 • Lauren Ward

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%

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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.