Real Estate Financing
- Fund Your Next Investment Property
- Leverage commercial real estate financing options
- Fuel your real estate goals with our versatile financing options for purchase, fix & flips, refinance, new construction, and hard money loans.
Take advantage of an 85% approval rate - act now!
As an investor, there are a few different ways to go about financing real estate investments. Each one will have its own set of pros and cons, and your financing approach will depend on the property and the situation. For investors, it’s important to remember that not all financing options are created equal. What works for someone else may not necessarily work for you, but the trick is understanding which financing option will compliment your business strategy. Let us guide you and compare the best real estate financing options.Â
What is Real Estate Financing?
An asset-based loan is secured by assets instead of emphasizing cash flow, which is typically real estate or whatever assets a business has on its balance sheet. The lender will use collateral that can be quickly and easily liquidated. Assets can also be accounts receivables, equipment, land, crop, purchase orders, and inventory. Asset-backed loans secured by collateral offered by Upwise are most often structured as term loans and revolving lines of credit.
Commercial Real Estate Financing Details
1-30 Years Ammortization
As Fast As 2 Weeks
$150K-$200M
6% - 12 %
Real Estate Funding Pros vs Cons
PROS
No Need to Wait for A/R Payment from Customers
Based on Credit of the Receivable’s Business
Account Receivable is Used as Collateral
CONS
Lengthy Paperwork
A/R Must be from Reputable Companies
Fees are based on time it will take for A/R to be paid
How does Real Estate Loan work?
Most borrowers turn to asset-based lending because they’ve had bad luck getting approved by traditional cash flow-based lenders or they want a cheaper cost of capital and confidence in their ability to pay back the loan. In asset-based lending, tangible collateral serves as the most important aspect of the approval process. Borrowers will use an asset for more favorable terms typically resulting in a higher loan approval and lower interest rate.
The loan amount is determined by the market value of your assets. Typically, most lenders will lend 75 to 85% of the value of their accounts receivables, and around 50% of the cost of their inventory or equipment. Also 70% to 90% on the market value of the property and typically 50% of the value of raw land. Â
So, if you have assets that you would like to leverage as collateral for more favorable terms, then this may be the best choice for you. Â
Who Qualifies for Real Estate Financing?
Real estate financing is available to a wide range of individuals and entities, depending on the specific type of financing and lender requirements. Generally, those who qualify for real estate financing include individuals or businesses seeking to purchase, refinance, or invest in real estate properties. Eligibility criteria often consider factors such as creditworthiness, income or cash flow, down payment or equity, and the property’s value and potential.
Lenders typically evaluate the borrower’s credit history, debt-to-income ratio, employment stability, and the property’s marketability and potential for generating income. While requirements may vary among lenders, borrowers with a strong credit profile, stable income, and a sufficient down payment or equity position are more likely to qualify for favorable terms and rates.
It’s advisable for potential borrowers to research and compare lenders, understand the specific requirements of each financing option, and work towards meeting the qualifications necessary to secure real estate financing. Upwise can help you navigate through this process.Â
Real Estate Finance Requirements
over 620+
Valued over $150K
Received 80% LTV
None
* Note: These commercial real estate finance requirements are based on previous Upwise customers and is just an average.
Reach your real estate goals, call us now and unlock your business's full potential.
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Upwise
What do Real Estate Loans cost?
You should know how much the cost of capital will cost you no matter what type of financing you’re applying for.
Let’s take a look at a cost example.
Example of a Real Estate / Asset-Backed Loan
Let’s say you have a commercial property that you operate your business out of, that is worth approximately $1.1 Million.
In most cases, the lender will require you to get an appraisal done to determine the value of your property. Â
Let’s say the property’s appraised cost was determined to be $1 Million. In this scenario, Upwise will be able to lend 80% LTV based on the appraised value of the property. Meaning the loan size will be $800k based on the appraised cost of the asset. Â
The term length will determine the monthly payment and amortization schedule. Payments can be interest only, principal and interest rate, deferred, and an interest reserve may be required.
Consider other fees associated with asset-based loans as well. These fees include but may not be limited to appraisal fees, site survey fees, legal fees, escrow fees, origination fees, packaging fees, prepayment fee, and others.
Don’t overlook fees on your loan offer—be sure to factor in any and all small fees you might have to pay in order to understand the true cost of your asset-based loan.
In order to understand your loan completely, make sure to ask Upwise for an amortization schedule. All fees associated with the proposal will be transparently laid out for each borrower in a term sheet. For more information, please call (646) 837-5522 to speak with an Upwise Real Estate Financing Specialist.Â
Apply Now for a Real Estate Loan.
- Unlock the power of your real estate investments with our fast and flexible financing solutions.
- Supercharge your real estate goals for purchases, fix & flips, refinance, new construction, and hard money loans.
- Maximize your potential profits by accessing our wise funding solutions tailored to real estate professionals like you.
Seize Opportunities in a Competitive Market
Document You'll Need to Apply
Driver’s License
Voided Business Check
Business Bank Statements (Last 4 Months)
Property Information
Property Deed
Balance Sheet
Profit & Loss Statements
Business Tax Returns
Personal Tax Returns
Recent Investment Loans for Real Estate
Single-Family Residential
South Hampton, NY
Commercial Development
Dallas, TX
Cash Out Refinance
Denver, CO
Types of Real Estate Investment Financing
One of the biggest misconceptions of real estate investing is that you need to have lot of money to get started, which simply isn’t true. The secret that many professionals don’t understand, is the fact that there are a number of different real estate financing options available to fund every investment. Because the method in which a specific deal is funded can greatly impact its outcome, understanding the financing aspect is imperative.
Why Upwise for Real Estate Financing
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within days of applying. Then just choose your loan terms and you could have funds deposited into your account within days.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of 100+ lenders. This means you're more likely to find the best match for your funding needs.
Commercial real estate financing — key information
Provided by Upwise Capital · upwisecapital.com/real-estate-financing
Qualification requirements
- Property value and appraisal
- Business and personal credit history
- Debt service coverage ratio (DSCR)
- Business cash flow
- Occupancy requirements
- Down payment or equity contribution
Common uses
- Purchasing commercial property
- Refinancing existing commercial mortgages
- Ground-up construction
- Building expansions
- Property renovations
- Debt consolidation
- Investment property acquisitions
Conventional vs. SBA real estate loan
- Conventional: Flexible property options
- Conventional: Various lender programs available
- Conventional: May close faster in certain situations
- Conventional: Investment and owner-occupied eligible
- SBA: Lower down payment requirements in many cases
- SBA: Longer repayment terms
- SBA: Government-backed financing
- SBA: Primarily for owner-occupied properties
Best for
- Business owners purchasing their own facility
- Real estate investors
- Medical and professional practices
- Manufacturers and distributors
- Growing companies seeking permanent locations
- Businesses expanding into additional markets
Key benefits
- Build equity instead of leasing
- Long-term financing options
- Competitive rates available
- Preserve working capital
- Finance acquisitions, construction, or refinancing
- Wide variety of eligible property types
Frequently asked questions
- Can I buy commercial property with business financing?
- Yes. Commercial real estate financing can be used to purchase office buildings, warehouses, retail properties, industrial facilities, and many other property types.
- How much down payment is required?
- Down payment requirements vary based on the loan program, property type, occupancy, and borrower qualifications.
- Can I refinance an existing commercial mortgage?
- Yes. Many commercial real estate financing programs allow borrowers to refinance existing debt, improve cash flow, or access equity.
- How long does it take to close a commercial real estate loan?
- Most transactions close within 30 to 90 days, although timing varies depending on underwriting, appraisals, environmental reviews, and lender requirements.
- What is a DSCR loan?
- A DSCR (Debt Service Coverage Ratio) loan is a type of commercial real estate financing where qualification is based primarily on the income generated by the property rather than the borrower's personal income. It is commonly used for investment properties.
Ready to explore commercial real estate financing? Start your application today.
Apply Now →Final Thoughts On Real Estate Financing
Real estate financing plays a critical role in helping business owners, investors, and developers acquire, refinance, renovate, and expand commercial and residential properties. Whether you’re purchasing an owner-occupied property, financing an investment property, funding construction projects, or seeking capital for a growing real estate portfolio, choosing the right real estate loan can significantly impact your long-term financial success.
Today’s real estate finance market offers a wide range of financing solutions, including conventional mortgages, SBA financing, bridge loans, hard money loans, construction financing, equity loans, private lending, and portfolio loan programs. Each option serves a different purpose and offers unique advantages depending on the property type, borrower profile, investment strategy, and financing goals.
For many borrowers, traditional bank financing provides competitive interest rates, lower fees, and long repayment periods. Conventional real estate loans backed by institutions such as Fannie Mae may offer attractive financing for qualifying borrowers with strong credit, stable income, and sufficient collateral. Government-supported programs administered through federal agencies can also provide financing solutions for specific property types and borrower needs. For example, FHA loan limits currently range from approximately $294,515 to $679,650 depending on location and housing market conditions.
Commercial real estate financing is commonly used to purchase office buildings, retail centers, industrial facilities, multifamily housing, mixed-use properties, and owner-occupied business locations. Investors often use real estate financing to acquire income-producing properties that generate recurring cash flow and build long-term equity. Maintaining a low debt-to-income ratio, strong credit profile, and demonstrated repayment ability can improve access to financing and increase borrowing potential.
When evaluating financing options, it is important to compare interest rates, annual percentage rates (APR), fees, repayment terms, monthly payments, and overall loan costs. Comparing loan types carefully helps borrowers select financing that aligns with both current objectives and long-term financial stability. Some real estate loans offer fixed rates for payment predictability, while others provide variable-rate structures that may benefit borrowers depending on market conditions.
For real estate investors, financing options extend beyond traditional mortgages. Hard money lenders, private lenders, bridge lenders, and specialty financing providers can often fund deals that conventional banks may not approve. These solutions may offer faster approval, flexible underwriting, and access to capital for properties requiring renovations or repositioning. However, borrowers should carefully evaluate rates, fees, and repayment requirements before proceeding.
Real estate investment financing can also support renovation and rehabilitation projects. Certain programs, including 203(k) renovation loans, allow borrowers to finance both the purchase and improvement of a property. These programs typically require licensed contractors to complete renovation work according to approved project plans.
Many investors also explore advanced wealth-building strategies such as self-directed IRAs, which may allow tax-advantaged or tax-free growth through qualifying real estate investments. As with any investment strategy, professional financial and tax guidance is recommended before making decisions involving retirement assets.
The right real estate financing solution depends on the property, borrower qualifications, investment objectives, available equity, and long-term business goals. Whether you’re purchasing a commercial property, refinancing an existing mortgage, funding construction, expanding a real estate portfolio, or seeking capital for your next investment opportunity, access to the right lender can make all the difference.
At Upwise Capital, we help business owners, developers, and real estate investors compare financing programs from banks, private lenders, SBA lenders, and specialty lending partners nationwide. From conventional mortgages and SBA real estate loans to bridge financing, construction loans, and investment property financing, our team can help you secure the capital needed to move your next real estate project forward with confidence.