What Is a Commercial Rehab Loan?

Financing for value-add commercial projects — acquisition and renovation in one loan. Up to 80% of purchase price, 100% of construction costs covered, funded in as little as 21–30 days.

✔ Up to 80% LTV on purchase
✔ 100% construction financing
✔ Min. credit score 650
✔ Retail, office, industrial, mixed-use, 5+ multifamily

How Commercial Rehab Financing Works

Commercial Rehab financing covers both the acquisition and the renovation of a commercial property in one loan. We lend up to 80% of the purchase price and 100% of construction/rehab costs, with the total loan capped at 70% of as-completed (stabilized) value. Draw schedules are tied to project milestones, so capital releases as work is completed and inspected — keeping the budget on track through the full renovation lifecycle.

Draws release as each milestone is completed and inspected, so capital lines up with the project timeline instead of sitting idle at closing.

Get a Quote → Call (862) 293-2467
Up to 80% LTV On purchase price
100% construction financing Renovation costs fully covered
70% as-completed value cap On total loan amount
Min. credit score 650 Purchase and refinance
$150,000–$5,000,000 Loan amounts available
12–18 month typical term Built for renovation projects
No prepayment penalty Pay it off when it stabilizes or sells
Retail, office, industrial, mixed-use, 5+ multifamily Eligible property types

Commercial Rehab Loan Requirements

Straightforward requirements built around the property and the project plan.

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Minimum credit score: 650
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Up to 80% LTV on purchase price
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100% of construction/rehab costs financed
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Total loan capped at 70% of as-completed (stabilized) value
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Draws funded as milestones are completed and inspected
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Loan amounts: $150,000–$5,000,000
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12–18 month typical term
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Property types: retail, office, industrial, mixed-use, 5+ multifamily
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No prepayment penalty

How to Get a Commercial Rehab Loan

We underwrite the property and the project plan.

1
Tell us about the project Purchase price, renovation scope, and as-completed value.
2
We underwrite the deal The property and the project plan.
3
Close and start work Draws release as milestones are completed and inspected.
4
Stabilize or refinance No prepayment penalty when the project wraps.
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Common Questions

How much of the construction budget will you finance?
Up to 100% of construction/rehab costs, on top of up to 80% of the purchase price. Draws release as milestones are completed and inspected.
Is there a cap based on as-completed value?
Yes. The total loan — acquisition plus construction — is capped at 70% of the as-completed (stabilized) value.
What property types qualify?
Retail, office, industrial, mixed-use, and 5+ unit multifamily commercial properties.
What credit score do I need?
A minimum credit score of 650.
How do renovation draws work?
Draw schedules are tied to project milestones — funds release as each stage of construction is completed and inspected, keeping the budget on track through the full renovation lifecycle.

Ready to Fund Your Next Project?

Get a quote on your next commercial deal today. Close in as little as 21–30 days and start your project.

Get a Quote Call (862) 293-2467