Financing Solutions
Commercial Mortgages
Purchase, refinance, or build commercial real estate with competitive financing tailored to your property type. We finance office buildings, retail centers, warehouses, industrial facilities, and mixed-use properties nationwide.
Own the Space Your Business Calls Home
Owning your commercial real estate is one of the most powerful moves a business can make. It eliminates rent uncertainty, builds equity over time, and gives you the stability to plan for the long term. Rock Harbor Funding provides commercial mortgage financing for a wide range of property types and business situations.
From a single-tenant retail building to a multi-story office complex, our commercial mortgage programs offer competitive fixed and variable rates, loan amounts from $500,000 to $25,000,000+, and terms up to 25 years. We work with owner-occupied and investment properties.
At a Glance
Loan Amounts
$500,000 – $25,000,000+
Terms
5 – 25 years
Time to Fund
30–60 days (standard)
Collateral
Commercial real estate
Common Uses
How Businesses Use This Financing
Purchase
Buy an office building, retail space, warehouse, or industrial facility to own the property your business operates from.
Refinance
Replace an existing commercial mortgage with better terms, lower rates, or cash-out equity for business needs.
Construction
Finance the ground-up construction of a commercial building designed specifically for your business operations.
Investment Properties
Acquire income-producing commercial real estate as a long-term investment with financing structured for investors.
Qualifications
General Requirements
Down Payment
20–30% typical (varies by program)
DSCR
1.25x minimum debt service coverage ratio
Credit Score
680+ preferred
Documentation
2 years tax returns, rent rolls, property financials
Requirements are general guidelines. All applications are reviewed individually.
Ready to Finance Your Commercial Property?
Our commercial real estate specialists will guide you through every step — from pre-qualification to closing.
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