Commercial Lending & Business Financing

Growth in business rarely waits for the perfect moment. When you need capital to move forward, whether it’s for a new property, a bigger operation, or a fast-moving opportunity, having the right financing in place makes all the difference. The right loan isn’t just about numbers on a page; it’s about matching your plans with funding that actually works for you.

Loan Programs That Move Your Business Forward

Every business owner faces a different set of challenges, and the right loan can clear the path. We don’t just hand out a list of options; we look at what you’re building and find the program that fits. Here’s how we help:

SBA Loans: Government-backed funding that gives qualified businesses a shot at better rates and terms, making expansion or new projects more manageable.
Bridge Loans: Short-term solutions that let you act quickly on property deals or cover urgent capital needs without waiting for long approvals.
Construction Loans: Financing designed for ground-up builds or major renovations, so you can keep projects moving from blueprint to completion.
Investment Property Loans: Flexible funding for multi-family, retail, or office properties, customized to your investment goals and timelines.

We work with business owners who want more than a cookie-cutter loan. Our team at Certified Lending builds financing around your cash flow and your growth plans, not just what the bank’s computer spits out.

Financing for Investment Properties That Works

When it comes to real estate investments, the numbers have to add up, and the terms need to make sense for your strategy. Investors count on us to structure deals that help them get the most out of every property. Here’s what we cover:

Multi-Family Properties: Loans for apartment buildings and residential complexes that already show steady income.
Mixed-Use Buildings: Flexible terms for properties that blend retail, office, and residential spaces under one roof.
Commercial Retail: Funding for shopping centers and standalone retail spots, so you can move fast when the right location opens up.
Office Buildings: Competitive rates for professional and medical office spaces, built around your business plan.

We know the market and what it takes to make an investment property work. Our experience helps you avoid common mistakes and set up deals that support your long-term returns.

What We Look For in a Strong Loan Application

Securing commercial financing isn’t about jumping through hoops. It’s about showing you’re ready. When you work with us, we help you pull together everything lenders want to see, so your application stands out. Here’s what matters most:

Financial Records: Up-to-date business statements and tax returns from the last two years, showing your operation’s real numbers.
Property Details: Recent appraisals, rent rolls, and operating statements that give a clear view of the property’s value and income.
Business Plan: Straightforward projections and a strategy that explains how you’ll use the property or funding.
Down Payment: Usually 20-30%, depending on the loan and property type, showing you’re invested in the outcome.

We walk you through every step, making sure nothing gets missed and your application is as strong as possible from the start.

Where Our Commercial Loans Make a Difference

Imagine a business owner ready to open a second location, or an investor eyeing a new development. These aren’t just transactions. They’re moves that shape the future. Our commercial loans support acquisitions, refinances, and new construction, always matched to your timeline and budget. We don’t just fund projects; we help you build momentum.

Why Our Terms Fit Your Business

With commercial financing, the focus shifts from personal credit to the property’s earning power and your business’s track record. We take the time to explain what sets these loans apart from residential options, and we structure terms that work with your business cycle. At Certified Lending, you get clear answers and a team that knows how to make the numbers work for you.

Ready to Explore Your Commercial Lending Options?

Contact Certified Lending at 561-850-6269 or Apply Now to discuss your commercial financing needs.