06/01/2026
💵 Buying commercial real estate comes with more financing flexibility than most people think! Here is a simple breakdown of 3 popular options with general rules for each:
Traditional Commercial Bank Loans
→ Sometimes the lowest interest rates
→ Usually requires 20-30% down
→ More fixed terms and longer approval times
SBA Loans
→ Low interest rates
→ As low as 10% down
→ Good for owner-operators and small businesses
Seller Financing
→ Seller acts as the lender
→ Highly flexible terms
→ Down payment varies
→ Fastest closing time
→ Great option if you don’t qualify for traditional loans
Speaking with a lending expert will help you make the best decision based on your circumstances. These are just high-level guidelines for each loan category to hopefully shed some light upon buyer’s options.
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If you’d like to start a conversation about other commercial real estate, including leasing, investment properties, apartments, farms, land, storage, or retail — I can help.
John Keck, Commercial Broker
Berkshire Hathaway HomeServices
✉️ [email protected]
📱 217-246-3201