lendDEFY
Start
Commercial finance catalog

Commercial real estate / Permanent capital

Commercial Property Purchase & Refinance

Commercial property purchase and refinance planning for owner-occupied and investment real estate. Organize property, occupancy, debt, value, and transaction facts before seeking a long-term capital path.

Start a product-aware profile Explore fit and readiness

Commercial-finance education only. This page is not an offer, approval, or commitment to lend.

What this capital path is built to solve

Operators and investors seeking to acquire, refinance, or reposition an established commercial asset.

Explore capital for the acquisition or refinance of stabilized office, retail, industrial, multifamily, or other qualifying commercial real estate.

Typical commercial uses

  • Owner-occupied purchase
  • Investment property acquisition
  • Rate or term refinance
  • Portfolio refinance

Structural highlights

  • Asset-aware deal review
  • Owner-occupied and investment scenarios
  • Longer-term financing pathways

Decision framework

Match the transaction purpose to the property and repayment plan.

A purchase and a refinance can share property facts but require different questions. A purchase centers on contract, equity, occupancy, and closing timing. A refinance begins with current debt, payoff constraints, property performance, and the reason a new structure is being considered.

Start a capital profile

Readiness signals

Facts that make the first conversation clearer

  • Identify whether the property is owner-occupied, investment-held, mixed-use, stabilized, or in transition.
  • Collect the purchase contract or a clear statement of current debt, payoff, maturity, and requested refinance outcome.
  • Summarize tenancy, leases, occupancy, property income context, and major capital needs.
  • Clarify ownership entity, guarantor context if applicable, and desired closing timeline.

Key considerations

Questions to evaluate before choosing a path

  • Commercial property categories, occupancy rules, and collateral requirements vary by capital source.
  • A refinance may require a clear payoff, lien, valuation, and transaction-cost picture.
  • Longer-term structures are not interchangeable with bridge or construction capital when the asset is not yet stabilized.

Initial review

The facts that move a first commercial conversation forward.

Start with the core opportunity. Additional information may be requested only if a possible capital path requires it.

01

Property type and occupancy

02

Purchase price or current value

03

Existing debt

04

Requested structure

05

Transaction timing

Bring better questions

Questions for the next capital conversation.

Use these prompts to organize your internal team and communicate with qualified capital, legal, tax, and accounting advisers. They are educational prompts, not advice.

Q01

Is the asset stabilized enough for a permanent-capital discussion?

Q02

Which property and debt documents will make the first review more productive?

Q03

Would a bridge, transition, or equity-access structure better match the actual timing?

Frequently asked questions

Product answers before the first call.

These answers explain the capital path and initial preparation. They are not an approval, commitment, underwriting decision, or individualized financial advice.

Continue the research

Related capital paths and decision resources.

Featured program

CRE 50% Equity Program

A commercial real estate initial-review path built around a meaningful equity position.

View details

Development capital

Commercial Construction Loans

Draw-based financing for ground-up projects and major commercial redevelopment.

View details

Interim capital

Commercial Bridge & Transitional Loans

Shorter-term capital for property transitions, acquisitions, or value-add plans.

View details

Decision resource

Business credit readiness

Understand the business-credit, owner-credit, and operating facts that can affect a financing discussion.

Explore guide

Decision resource

UCC lien guide

Learn how existing security interests and filings can affect collateral-based capital conversations.

Explore guide

Ready to discuss the opportunity?

Put the next capital conversation in motion.

Start a product-aware capital profile. lendDEFY does not initiate a hard credit inquiry from this public page or initial profile.

Start a capital profile