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Flexible Financing for Property Acquisition & Refinancing
Whether you are purchasing a new warehouse, refinancing an existing office building, or need bridge financing for a fix-and-flip project, our Commercial Real Estate (CRE) loans provide the leverage you need. We offer a variety of programs including SBA 504, conventional mortgages, and hard money loans.
Why Choose Our Commercial Real Estate?
Designed to solve real business challenges with speed and flexibility.
High Leverage
Loan-to-Value (LTV) ratios up to 80%.
Diverse Property Types
Mixed-use, Multi-family, Retail, Warehouses, Light Industrial, and many others.
Flexible Terms
From short-term bridge loans (12 months) to 25-year amortizations.
Cash Out Options
Unlock equity in your existing properties for working capital.
Commercial Real Estate Loans By Property Type
We finance a diverse range of commercial properties to meet your investment needs.
Key Features
- Loans from $100k to $50M+
- Competitive interest rates
- Nationwide lending footprint
- Interest-only options available
- Fast closing for bridge loans
- Eligible Properties: Mixed-use, Multi-family, Retail, Warehouses, Light Industrial
Eligibility Requirements
- Property must be commercial or investment residential (5+ units)
- Strong debt service coverage ratio (DSCR)
- 660+ FICO score (lower for hard money)
- Down payment or equity of 20-30%
How It Works
Simple, transparent, and fast.
Property Review
Submit property details and rent roll.
Term Sheet
Receive a preliminary offer outlining terms.
Appraisal & Title
Third-party valuation and title search.
Closing
Finalize loan documents and fund.
Common Use Cases
Owner-Occupied Purchase
A manufacturing company buying their own factory building.
Value-Add Investment
An investor buying an older apartment complex to renovate and raise rents.
Cash-Out Refinance
Pulling cash out of a paid-off property to fund a new business venture.
"Traditional banks were taking months. Cinch helped us close on our new warehouse in just 3 weeks with a bridge loan, allowing us to move in before our busy season."
Robert Garcia
President, RG Logistics
Frequently Asked Questions
Ready to Fund Your Growth?
Join thousands of business owners who trust Cinch Lending for their capital needs.
Ready to Grow?
Fill out the form below to get started. One of our funding specialists will reach out to discuss your options.
Fast Response
We typically respond within 1 hour during business hours.
Secure Process
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No Obligation
Requesting information is free and non-binding.