Commercial Real Estate Loans Built for Business Growth

Looking to purchase, refinance, or renovate commercial property? Small Biz Heroes offers commercial real estate loans tailored to business owners and investors across a wide range of industries. With flexible terms, high loan-to-value options, and funding up to $50 million, we help you move quickly on the properties that move your business forward.

Program Snapshot

Loan Amounts

$200K – $50M

Loan Term

1 – 30 years (fixed and interest-only options available)

Loan-to-Value

Up to 80%

Interest Rates

Competitive market rates!

Funding Timeline

Can close in as little as 2–3 weeks

Why Choose Small Biz Heroes for CRE Loans?

Funding for Investors or Owner-Occupiers

We finance retail, office, industrial, warehouse, mixed-use, and more — whether you're using it or leasing it.

No DSCR? No Problem.

We offer no-DSCR options for smaller loan amounts, especially under $750K.

Flexible Credit Requirements

We work with borrowers as low as 600 FICO — and can consider complex financials or unique deal structures.

Foreign Nationals & High-Risk Industries Welcome

We support deals others avoid, including cannabis-related properties and borrowers without U.S. citizenship.

Blanket Loans Available

Need to cross-collateralize or create a portfolio loan? We can do that, too.

Use Cases for Commercial Real Estate Loans

  • Property purchases
  • Fix & flips
  • Refinance or debt consolidation
  • Ground-up construction
  • Real estate lines of credit
  • Hotel, condo, and mixed-use projects
  • Quick closings on distressed or vacant properties
  • Chapter 11 exits
  • And more…

Eligible Property Types

  • Residential investment properties
  • Commercial and industrial buildings
  • Multifamily units
  • Condominiums and hotels
  • Office space
  • Vacant land and mixed-use
  • Single-tenant and multi-tenant spaces

Documents You’ll Need to Apply

Basic commercial real estate application & questionnaire

Personal financial statement (for all 20%+ owners)

Rent roll and income/expense sheet (for investment properties)

Appraisal (or broker opinion of value, if available)

Purchase contract or payoff statement (if refinancing)

Valid government-issued ID

Entity docs (LLC, S-corp, etc.)