Commercial property financing begins with the asset and the intended use. An owner-occupied office, retail space or industrial property may raise different questions from an income-producing property. Tell us whether you are planning a purchase, reviewing an existing loan or considering another property financing transaction.

A useful initial discussion includes the property details, the proposed financing amount, the borrower’s background and the expected timeline. For a rental property, information about occupancy and income may also form part of the lender’s review. The exact requirements depend on the property, financing structure and lender.

Your documentation helps present the request clearly. Have available purchase information, current financing details and business or property records relevant to the transaction. A lender may request additional property due diligence. Clarify those requirements and the associated costs before commissioning reports.

Commercial mortgage options should be compared on more than their interest rate. Consider the term, payment schedule, fees, security, conditions and how the proposal supports your property plan. We help you prepare the questions for that comparison so the next step is based on a complete discussion.