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a better commercial loan.

Commercial Financing with Obie.

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Commercial mortgage financing that works for you

1-Click Application

Use the existing property data contained within the asset to generate a quote with ease.

Multiple Loan Types

Our tech-enabled financing platform ensures industry-best rates in multiple types of financing vehicles.

Better Rates

Gain access to multiple banks and lending institutions for the most competitive rates.

Close Faster

Skip the back and forth. We’ll help you move quicker so you are able to close in record time.


Financing your assets has never been easier, faster, or cheaper.
Painless pre-qualification

Get pre-qualified online in minutes using the property information already contained inside your Obie managed asset or listing. No obligations, no commitments, no hidden fees.

Receive Your Quote

Find the loan that best matches your assets financial goals and apply online.

Select your loan

Receive a loan quote and lock in your rate.

Choose the loan that works for you

Senior Loans
Term & Bridge Loans
Term: 3 - 30 years
Amortization: 15 - 30 years
Loan To Cost: Up to 85%
Loan To Value: Up to 75%
Rate: 4 - 10%
Type: Recourse and Non-Recourse
Mezzanine & Second Lien
Term & Bridge Loans
Term: 1 - 10 Years
Mezzanine Contribution Up to 80%
Timing 35 - 45 Days
Rate: 10 - 12%
Structure: Equity Pledge with Intercreditor Agreement
Owner Occupied
Term Loans
Term: 10 - 30 years
Amortization: 15 - 30 years
Loan To Cost: Up to 80%
Loan To Value: Up to 90%
Type: Recourse and Non-Recourse
Construction Loans
Term & Bridge Loans
Term: Up to 84 Months
Amortization: Libor or Fixed
Loan To Value: Up to 80%
Type: Recourse and Non-Recourse

Obie loan calculator

Use our loan calculator to estimate your mortgage payment. Simply enter the price of the asset, your equity, and details about the asset to calculate your payment breakdown, schedule, and more.

Purchase Price

Cap Rate

Costs & Cap Imp.

Cap Improvements
% PP
Closing Costs/Fees
% PP
Other Fees
% PP

Loan Amount


Loan Detail

Int Rate
Loan Term
I/O Period

Total Price


Get a quote now

Current Market Rates

  • The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Obie and Creisoft, Inc. are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
  • We don’t yet have your complete financial picture. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
  • Loan approval is subject to underwriter review: not everyone who applies will be approved.

Common Questions

A: It depends on the product type. Conventional loans (30-45 days), SBA7a, SBA504 and USDA (30-60), insurance company loans (30-60 days), Fannie Mae and Freddie Mac (30-60 days), FHA refinances-acquisitions (90-180 days), FHA construction (180-360 days).
A: The optimum requirements for commercial real estate are as follows; Borrower’s Net Worth (personal and business) aka Global Net Worth should be equal or higher than the loan amount requested, Borrower should have post-closing liquidity equal or superior to 6 months to service debt or 10% of the loan amount. Prior ownership experience is highly desirable. It is important to note that these should be taken only as general guidelines as these can vary from lender to lender.
A: We provide loans over $500k backed by commercial real estate.
A: If you are a current Obie member we will be able to extract all of the data we need from your managed assets or listings. If you are not currently an Obie member, and would like to apply for P&C insurance, you’ll want to have some information on hand to help with the process including your name and information, property address and asset type, and other building information. If you have an existing policy or a current Offering Memorandum in a PDF or digital version that will help too. Having this information ready helps to ensure you’ll finish the process quickly.
A: When applying for a commercial loan, the lender will take the following into account:
  • Credit score
  • Net worth
  • Liquidity
  • Experience
  • Income
A: Obie and its affiliates have over 200 lenders nationwide including local, regional, and national banks. We also represent a selected group of insurance companies, hedge funds, and agency lenders. It is important to note that most banks offer retail lending pricing (the rate and terms that they offer their clients) and wholesale lending (the rate and terms that they offer to their correspondents or wholesalers). We have heard from our Borrowers many times about the pricing difference we were able to bring to the table (even with their own bank). We understand that this can be frustrating to the Borrower but most banks/lenders do this to attract the large volume that a firm like ours can offer them.
A: The easiest way to begin the process is to apply though our online form which if you are managing or buying an asset through Obie will be pre populated with almost all of the data you will need to get a loan. Generally speaking for investment properties we will need the property’s (2-3 yrs) operating statements and year to date, rent roll, current pictures and a personal financial statement (PFS) for all Principals. For owner occupied properties you should have personal financial statements (PFS), your last 3 Yrs corporate and personal tax returns and current pictures. You can find a link to our online application here
A: This depends on many variables. Owner occupied properties borrowing ability will be heavily depend on the business’ cash-flow and ability to repay debt. Once we calculate the company’s historical cash-flow we will need to add the property’s debt load. For investment properties we have created a set of tools that will help you get an idea of how much you can borrow against the subject property.