Commercial Real Estate
No two loans are the same, so our products aren’t either.
When you’ve found the perfect commercial site, you don’t have time to wait. Buy Now, Refinance Later.
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WHY WAIT? BUY NOW, REFI LATER.
Does purchasing commercial property at today's rates concern you? Don’t let this impact your decision to buy. Close your loan with Crews Bank & Trust and know that if the rates go down, you can refinance for just $500.
No appraisal fees. No title insurance fees. No attorney fees. No recording fees.
To qualify for this program:
- At time of refinance, subject loan must not have any late payments of 10 days or more since origination.
- Loan must be refinanced within 24 months of loan closing.
- Subject mortgage must be in a first lien position.
- The property must be owner-occupied; investment properties are not eligible.
- Loan must have 20% down.
This promotion is one-time use. Refinance terms apply to rate and payment. All other terms of the note remain unchanged.
The Buy Now, Refi Later benefit applies to Crews Bank & Trust purchase mortgages. The Buy Now, Refi Later benefit is subject to revision or revocation by Crews Bank & Trust at any time without notice.
Loans subject to credit approval.
At Crews Bank & Trust, our local commercial real estate lending experts work with you to make it happen. We offer personal service, quick turnaround and a variety of terms at competitive fixed and floating loan rates. We offer a wide range of real estate loan products, including construction-to-permanent loans, owner-occupied property loans, and loans for cash-flowing investment commercial real estate.
Loans subject to credit approval.
Projects we’ll consider for financing include:
Purchase or construction
Refinance
Income Producing Property
Commercial mortgage financing (investment property)
Multi-family property
Owner-occupied mixed-use property
Is Buying or Renting Commercial Real Estate Right for You? Find Out with Our Quick Quiz!
Ready to make the right move for your business? Deciding whether to buy or rent commercial real estate is a huge step, and it’s not always clear what’s best for your company’s future. Our Buy or Rent Commercial Real Estate Quiz is here to help. Don't leave your business's next move to chance—take the quiz today and unlock the insights you need to make smarter, more confident real estate decisions that will set your business up for success!
FAQs
What is the process to get a commercial real estate loan?
Commercial real estate loans are mortgages used exclusively for commercial real estate, which is a business’s income-producing property.
Bankers are involved in the process of creating commercial real estate loans. When you’re working with a bank following information may be needed:
- Commercial loan application, fully completed and signed
- Three years of personal tax returns, including all K-1s (any borrower with 20 percent or more ownership in the proposed ownership will be required to provide this information)
- Three years of business tax returns
- Year-to-date balance sheet and income statement for the latest period
- Personal financial statement, fully completed and signed
- Verification of liquidity to acknowledge where the down payment is coming from (three months of bank statements that verify liquidity)
- Contract on sale and purchase of subject property
- If the property currently has or has had tenants, three years of financial statement on the subject property
- Copies of all leases for income-producing property purchases
Whether you’ve already identified a property to acquire or you’re just formulating dreams of acquiring new real estate, it’s the perfect time to talk to your Crews Bank & Trust lending professional. They will provide a quick and efficient answer on your loan request.
How do commercial real estate loans work?
Businesses use a commercial real estate loan to buy commercial property for income-producing purposes.
Commercial real estate loan terms typically include a term range from 5-20 years. The amortization period, which refers to the schedule of payments to pay off the loan, is typically longer than the loan term. For example, a commercial real estate (CRE) loan might have a term of seven years and a 30-year amortization, which means the monthly payments during the seven years are determined as if the loan were to be paid off over 30 years.
One of the key factors that differentiates Crews Bank from other banks is that we offer both fixed and adjustable rates. We’re not here to spring any surprises on you—not with payments or terms.
To learn more, contact us and we’ll be happy to provide guidance.
What types of commercial real estate does Crews Bank & Trust finance?
We offer a full range of commercial real estate loans that Florida business owners require. These CRE loans can be used for the following types of businesses or real estate properties:
- Multi-tenant retail centers
- Owner-occupied commercial real estate
- Investment commercial real estate
- Special purpose properties
- Office buildings
- Retail strip centers
- Multi-family apartments
- NNN investment restaurants
- Tenant-occupied CRE
- NNN investment commercial property
- Chain restaurants
What are the current interest rates for commercial real estate loans?
Commercial real estate loan interest rates fluctuate often and depend on the commercial real estate loan requirements and structure. The four main interest rate drivers include:
- Bank relationship: Are you currently banking with the lender you intend to receive a loan from?
- Product type: Will the property be owner-occupied or investment real estate?
- Market conditions: Are interest rates moving up or are they declining?
- Cash flow to service the proposed request: Do the borrower and guarantor have adequate cash flow resources to service the loan request?
From a banking perspective, the golden rule about interest rate pricing is “the lower the risk, the lower the rate.”
Typical down payments will vary based on real estate type. Owner-occupied will be a minimum of 20 percent cash equity injection. Real estate investment acquisitions will be a minimum of 30 percent cash equity injections.
Some banks will provide financing with the SBA 504 and SBA (7a) programs. Please ask your lending professional for more details regarding lower down payments for owner/occupied properties via this program. Commercial real estate loan structures could be up to 25-year amortizations with no balloon payment, no call, and no prepayment penalties.
Talk to your Crews lending professional — there’s a lot more information we can provide if you contact us.
What is the difference between a business term loan and a commercial real estate loan?
A business term loan is a specific amount of borrowed money that is paid back on a fixed schedule, or term. Term loans usually have a fixed interest rate or a variable rate that adjusts based on the market. Term loans are used for business needs, such as equipment purchasing or office space renovation.
A commercial real estate loan is an amount of money used specifically for property, either for the purchase of an already existing structure or to build the structure. The commercial real estate loan process can often be more stringent.
Why choose Crews Bank & Trust for your commercial real estate loan?
Our commercial real estate loans are as diverse as your needs. When you’ve found the perfect commercial site, Crews Bank & Trust’s local commercial real estate lending experts will help you secure it at a competitive rate. Our loan experts will walk you through the commercial real estate qualifications needed to acquire the loan.
We offer a full range of real estate loans, including acquisition and development, construction, and permanent loans. Over the years, we have provided loans for owner-occupied commercial real estate, investment commercial real estate, and special purpose properties.
Need commercial real estate loans explained in greater detail? Contact us today.
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Venice | Sarasota County
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Sarasota | Sarasota County
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Sarasota | Sarasota County
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New Smyrna Beach | Volusia County
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Cape Coral | Lee County
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Punta Gorda | Charlotte County
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Naples | Collier County
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Venice, FL | Sarasota
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Punta Gorda | Charlotte County
Office Building
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Punta Gorda | Charlotte County
Owner-Occupied Medical Office
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Venice | Sarasota County
Retail
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Punta Gorda | Charlotte County
RV Park Resort
$3,300,000
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Kenansville | Osceola County
Owner-Occupied
Family- Owned Business
$200,000
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Wauchula | Hardee County
Industrial Warehouses
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Port Charlotte | Charlotte County
Hotel
$6,900,000
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Jacksonville | Duval County
Multi-Family Unit
$515,000
New Construction
Cape Coral | Lee County
Realtor Office, Owner-Occupied
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Osprey | Sarasota County
Senior Living Facility
$4,537,500
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Lakeland | Polk County
Commercial Building
$238,875
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Lakeland | Polk County
Multi-Tenant Retail Building
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Palmetto | Manatee County
Office Investment Property
$937,000
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Sarasota | Sarasota County
Rental Property
$130,000
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Port Charlotte | Charlotte County
Multiple Industrial/Office Buildings, Owner-Occupied
$1,945,195
Construction
Palmetto | Manatee County
Single Family - Investment Condo
$780,000
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Sarasota | Sarasota County
Multi-Family Apartment Complex
$753,000
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Orlando | Orange County
Multi-Unit Retail
$1,280,000
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Ft. Myers | Lee County
Office Warehouse
$1,350,000
Refinance
Englewood | Charlotte County
Residential Investment
$285,000
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Lake Placid | Highlands County
Residential Condo Investment
$1,683,750
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Boca Grande | Lee County
Retail Plaza - Multi-Unit Building
$1,500,000
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Punta Gorda | Charlotte County
Single-Family Condo Investment
$1,770,000
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Boca Grande | Lee County
Investment Retail Building
$1,207,500
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Cape Coral | Lee County
Multi-Family Apartments
$2,350,000
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Titusville | Brevard County
NNN Investment Commercial Property
$565,000
Purchase
Ft. Myers | Lee County
Office Warehouse/Condo
$500,000
Construction
Sarasota | Sarasota County
Retail Plaza Center
$1,500,000
Refinance
Cape Coral | Lee County
Light Industrial Investment Property
$915,000
Purchase
Sarasota | Sarasota County
Multi-Family Investment
$1,100,000
Construction
Cape Coral | Lee County
NNN Investment Restaurant
$1,000,000
Purchase
Orlando | Orange County
Office/Warehouse Investment
$4,350,000
Purchase
Sarasota | Sarasota County
Residential Investment Property
$410,000
New Construction
Port Charlotte | Charlotte County
Retail Property
$620,000
Purchase
Winter Haven | Polk County
Vacant Commercial Lot
$169,000
Purchase
Sebring | Highlands County
Medical Office Building
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Punta Gorda | Charlotte County
Light Industrial Investment Property
$915,000
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Sarasota | Sarasota County
Retail Use
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Winter Park | Orange County
Owner-Occupied
$800,000
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Naples | Collier County
Residential Multi-Family Investment Property
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Venice | Sarasota County
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Ruskin | Hillsborough County
Warehouse
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Charlotte County
Mini Storage
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Construction
Rotonda | Charlotte County
Multi-Family Apartment Complex
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Tallahassee | Leon County
Office Building
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Lake Placid | Highlands County
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Englewood | Charlotte County
Retail Strip
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Orlando | Orange County
Industrial Office & Warehouse
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Sarasota | Sarasota County
SBA + Conventional Loan - Owner-Occupied Office
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Wauchula | Hardee County
Office Building
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Purchase
Fort Myers | Lee County
Owner-Occupied Local Business
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Purchase
Port Charlotte | Charlotte County
RV Park
$840,000
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Homosassa | Citrus County
Industrial Warehouse Flex Unit
$188,000
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Venice | Sarasota County
Office
$600,000
Purchase
Cape Coral | Lee County
Owner-Occupied Retail Space
$500,000
Purchase
Venice | Sarasota County
Multi-Tenant Retail Center
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Lakewood Ranch | Manatee County
6-Unit Commercial Property
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Investment
Punta Gorda | Charlotte County
Owner Occupied Retail
$1,100,000
Investment
Boca Grande | Lee County
Mixed Use Property
$900,000
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Union City, NJ | Hudson County
Residential Properties
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Highlands County
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Englewood | Charlotte County
Residential Investment Properties
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Highlands County
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Debt Consolidation
Sarasota | Sarasota County
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Port Charlotte | Charlotte County
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Sarasota | Sarasota County
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Highlands County
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Punta Gorda | Charlotte County
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Lakeland | Highlands County
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Bonita Springs | Lee County
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Sarasota | Sarasota County
Multi-Family Unit
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$325,000
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Venice | Sarasota County
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Sebring | Highlands County
Investment Condominium
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Babcock Ranch | Charlotte County
Commercial Investment
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Inglis | Levy County
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Sarasota | Sarasota County
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Zavalla, TX
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Dade City | Pasco County
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Winter Haven | Polk County
Residential Investment Property
$640,000
Refinance
Delray Beach | Palm Beach County
Convenience Store
$500,000
CRE Improvement Loan
Okeechobee | Okeechobee County
Owner-Occupied Office/Condo Unit
$376,000
Purchase
Venice | Sarasota County
Art Studio
$300,000
Refinance
Jacksonville | Duval County
Residential Duplex
$276,000
Refinance
Punta Gorda | Charlotte County
Owner-Occupied Office/Condo Unit
$240,000
Purchase
Punta Gorda | Charlotte County
Investment Property
$60,000
Purchase
Arcadia | DeSoto County
Downtown Investment Building
$6,700,000
Refinance
Lakeland | Polk County
Mobile Home Park
$3,125,000
Refinance
Winter Springs | Seminole County
Income Producing Investment Property
$2,800,000
Purchase
Port Charlotte | Charlotte County
Industrial Office/Warehouse Property
$1,855,000
Refinance
Cape Coral | Lee County
Commercial Development
$400,000
Construction
Englewood | Sarasota County
Commercial Investment Retail Strip Center
$7,500,000
Refinance
Ft Myers | Lee County
Construction Owner-Occupied Warehouse
$1,000,000
Purchase
Bradenton | Manatee County
Investment Commercial Real Estate
$700,000
Purchase
Orlando | orange County
Remodel Investment Rental Property
$450,000
Refinance
Sebring | Highlands County
Investment Rental Property
$425,000
Purchase
Boca Grande | Lee County
Commercial Investment Rental Property
$325,000
Refinance
Wauchula | Hardee County
Commercial Owner-Occupied Business
$105,000
Refinance
Lakeland | Polk County
New Residential Apartments
$1,520,000
Construction
Cape Coral | Lee County
Owner-Occupied Retail Space
$200,000
Refinance
Sebring | Highlands County
Owner-Occupied Office Location
$330,000
Purchase
Lake Placid | Highlands County
Owner-Occupied Office/Rental Space
$350,000
Refinance
Avon Park | Highlands County
Owner-Occupied Dental Practice
$736,000
Purchase
Sarasota | Sarasota County
Owner-Occupied Auto Sales
$660,000
Purchase
Lakeland | Polk County
Owner-Occupied Retail Location
$780,000
Refinance
Port Charlotte | Charlotte County
Owner-Occupied Condo Office
$910,000
Refinance
Naples | Collier County
Owner-Occupied Restaurant Expansion
$2,590,000
Refinance
Englewood | Charlotte County
Owner Occupied Business
$917,500
Purchase
Winter Haven | Polk County
Owner Occupied Commercial Property
$198,750
Purchase
Avon Park | Highlands County
Owner Occupied Business
$721,500
Purchase
Bradenton | Manatee County
Commercial 1-4 Unit Property
$767,000
Purchase
Arcadia | DeSoto County
SEE WHY LOCAL BUSINESSES CHOOSE TO WORK WITH US.
Miguel Centeno, Commercial Real Estate Investor
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