Commercial Real Estate Loans

Purchasing, developing, or refinancing commercial property requires more than access to capital. It requires a commercial lending partner who understands your investment, your market, and your long-term financial objectives.
 
Academy Bank offers customized commercial real estate loans for established businesses, property investors, and developers. Whether you're purchasing a building for your company's operations, acquiring income-producing real estate, refinancing an existing property, or planning an eligible construction project, our commercial lenders work to structure financing around your specific needs.

Customized Solutions for Commercial Property Owners, Businesses & Developers

Academy Bank offers commercial property financing for a variety of eligible real estate investments, with lending solutions tailored to each borrower's financial position and project requirements.
 
Whether you're an established business owner looking for operational space or an experienced property investor expanding your portfolio, our team can help evaluate your financing options.

Owner Occupied Commercial Real Estate Loans

Purchasing property for your own business to control your facilities, reduce uncertainty around future lease renewals, and support long-term operational planning.
  • Purchasing an office building or corporate headquarters
  • Acquiring warehouse or distribution space
  • Buying an industrial or manufacturing facility
  • Purchasing commercial retail or service space
  • Renovating an existing owner-occupied property
  • Financing a larger facility to accommodate business growth

Acquisition & Investment Commercial Real Estate Financing

Acquiring income-producing commercial property to expand an existing real estate portfolio or establish an additional source of business revenue.
  • Single-tenant commercial properties
  • Industrial and warehouse buildings
  • Office buildings
  • Retail properties
  • Multifamily apartments and condominium developments
  • Self-Storage Facilities

Construction Commercial Real Estate Loans

Academy Bank offers commercial real estate construction loans for eligible properties that are >50% pre-leased.
  • Industrial and warehouse construction
  • Office development
  • Retail construction
  • Construction associated with qualifying commercial properties

Refinancing Commercial Real Estate Loans

Changes in market conditions, property performance, business objectives, or existing loan terms can create reasons to explore commercial real estate refinancing.
  • Replace an existing commercial mortgage loan
  • Reevaluate repayment terms
  • Address an approaching loan maturity or balloon payment
  • Consolidate eligible property-related obligations
  • Restructure financing around current business or investment objectives

SBA Commercial Real Estate Loans

For eligible business owners looking to purchase, construct, or improve owner-occupied commercial property, Small Business Administration financing may provide another option.
 
An SBA commercial real estate loan may help qualifying businesses finance eligible property investments under applicable program guidelines.






Why Choose Academy Bank for Commercial Real Estate Lending?

Commercial real estate transactions often involve significant investments, multiple stakeholders, and complex financing considerations. Your lending relationship should provide consistency, communication, and an understanding of what it takes to move a transaction forward.
 
Family-Owned. Privately Held. Relationship-Focused.
Academy Bank is a family-owned, privately held bank. Members of our founding family actively participate in executive leadership and daily lending decisions. Our ownership structure allows us to emphasize long-term client relationships and provide direct access to key decisionmakers throughout the commercial real estate lending process.
 
Direct Access to Lending Decisionmakers
Timing and execution matter when purchasing, developing, or refinancing commercial property. Academy Bank's commercial lending structure provides access to key decisionmakers, helping borrowers maintain communication as their financing requests move through the review and approval process.
 
Local Market & Property Expertise
Property values, occupancy trends, industry conditions, and collateral considerations vary across markets. Our commercial lenders bring local market knowledge, industry experience, and collateral expertise to help guide your commercial property financing decisions.
 
Customized Commercial Financing Structures
We understand that each real estate transaction is different. Rather than approaching every financing request with the same structure, we consider the property's intended use, borrower objectives, projected cash flow, available collateral, and repayment requirements.
 
Continuity Throughout Your Banking Relationship
Academy Bank emphasizes continuity in underwriting, servicing, and relationship management. Whether you're financing your first owner-occupied commercial building or evaluating another investment property, our goal is to develop an ongoing banking relationship that supports your long-term objectives.

Talk to a Commercial Lender about Your Business Needs

Whether you're purchasing an owner-occupied building, acquiring income-producing property, planning an eligible construction project, or refinancing an existing investment, Academy Bank is ready to discuss your financing needs.
 
Work with a family-owned, privately held bank that values personal relationships, straightforward communication, and customized commercial real estate lending.

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Commercial Real Estate Loan Requirements: What to Expect

Understanding commercial real estate loan requirements before approaching a lender can help you prepare for the financing process. The documentation and financial information requested will vary depending on the property type, loan purpose, borrower structure, and proposed transaction. When evaluating a commercial real estate loan, lenders commonly consider several factors.
 
Borrower Financial Strength - Business financial statements, operating history, liquidity, existing obligations, and overall repayment capacity can help establish a borrower's financial position.
 
Property Value & Collateral - The value, condition, intended use, and location of a commercial property can influence loan eligibility and the proposed financing structure. Lenders may review property appraisals and loan-to-value (LTV) considerations as part of underwriting.
 
Cash Flow & Debt Service Coverage - For income-producing real estate, property income and operating expenses are important considerations. A lender may also evaluate the debt service coverage ratio (DSCR) to better understand the property's ability to generate sufficient income to support its debt obligations.
 
Down Payment & Borrower Equity - Commercial real estate down payment requirements vary based on the financing structure, property type, borrower qualifications, and applicable lending guidelines.
 
Additional Property & Project Documentation
Depending on the transaction, borrowers may be asked to provide:
  • Business or borrower financial statements.
  • Business and personal tax returns, as applicable.
  • Property purchase agreements.
  • Existing lease agreements and rent rolls.
  • Property operating statements.
  • Details of existing property debt.
  • Construction budgets, plans, and timelines, when applicable.
  • Information about ownership, guarantors, and available collateral.
Academy Bank's commercial lenders can discuss the documentation needed for your particular financing request.

More Than Commercial Real Estate Loans

Academy Bank offers additional commercial and corporate banking solutions, so you can work with a team that understands the broader financial picture of your organization.
 
 
 
Explore our other Business and Corporate Banking services:

Let's Talk About Your Next Commercial Real Estate Opportunity

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* All loans and lines of credit are subject to credit approval. Origination and annual fees may apply. Terms, conditions, and loan product eligibility applies.