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When it comes to financing commercial properties—whether retail, self-storage, office buildings, mixed-use developments, warehouses, or industrial spaces—you need a lender who understands the complexities of the commercial real estate landscape. Prospera Real Estate Lending offers strategic, flexible financing solutions tailored to help you acquire, improve, or refinance a wide range of commercial assets.
Our commercial loan programs feature competitive rates, terms ranging from 3 to 10 years, and financing up to 75% of the property’s value (70% for 3-year terms), allowing you to grow your portfolio and unlock the full potential of your investment without overextending your capital.
Conventional Loans
Up to 75% LTV (80% with liquidity exception)
Loan sizes: $250,000 – $5.0MM
Rates starting at 6.50% for “A” quality commercial properties
Available for all CRE types (no underground storage tanks)
Soft quote in 24 hours; LOI in 48–72 hours
Low Document Loans
Up to 75% LTV
Loan sizes: $150,000 – $5.0MM
Rates starting at 7.50% for “A” properties
Conditional approval in 24–48 hours
Bridge Loans
1%–3% origination
Up to 70% LTV
Typical term: 2–3 years with prepayment options
Loan amounts: $250,000 – $2.5MM (up to $10MM case-by-case)
Conditional approval in 24–48 hours
Special Purpose Loans
Up to 65% LTV
Loan sizes: $150,000 – $2MM
Ideal for rural assets or borrowers with low credit
No underground storage tanks permitted
“Commitment to Lend” issued 24–48 hours after underwriter discussion
Investment Residential (Non-Owner Occupied 1-4 Units)
Up to 80% LTV for purchase, 75% for refinance
Loan sizes: $150,000 – $5MM
Credit score requirements apply (-5% LTV for <750)
Trophy properties permitted
CMBS and Agency Loans
Terms: 5, 7, or 10 years
Pricing: UST + 280–320 bps
Loan sizes: $2MM – $25MM
Hospitality Loans (Case-by-case)
Independent hotels/motels: < $2MM
Flagged hotels/motels: $2MM – $25MM
Limited service preferred
Cannabis Property Loans (Excludes CA & AZ)
Minimum loan: $1MM, no maximum
Full-document underwriting
Medical and recreational facilities permitted
Underwritten to market rents (not cannabis rents)
Customized Loan Terms to Match Your Business Plan:
Whether you’re repositioning a retail strip center, stabilizing an office building, or acquiring a self-storage facility, Prospera offers flexible 3, 5, 7, and 10-year loan terms to support both short-term strategies and long-term growth.
Leverage Designed to Maximize ROI:
We offer up to 75% loan-to-value (LTV) on most commercial property types, giving you the capital needed to fuel expansion or improve cash flow. For shorter-term, 3-year loans, we provide 70% LTV—ideal for time-sensitive, opportunistic investments.
Loan Amounts that Scale with Your Portfolio:
With commercial loan sizes ranging from $1 million to $50 million, we support a wide range of asset types—from single-tenant retail and mixed-use buildings to industrial complexes and large-scale warehouse developments.
Speed Matters—So Do We:
In commercial real estate, timing is everything. Our streamlined process offers soft quotes within 24 hours and fully underwritten letters of intent in 48–72 hours, helping you move quickly and confidently when opportunities arise.
A Partner in Your Growth:
At Prospera, you gain more than capital—you gain a lending partner who understands commercial real estate. Our team works closely with you to tailor financing solutions aligned with your project goals, from acquisition and value-add to refinance or repositioning.
info@prosperaloans.com
1-888-908-8556
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