Property types

Every property is financed a little differently

Here's what lenders care about for each type, in plain English, and the loans that usually fit.

Lenders look at how the hotel performs (occupancy and room rates), the brand, and any renovation the brand requires.

Usually a fit: SBA 7(a) and 504, bank loans, bridge loans, C-PACE

Lenders look at how full the property is, the rents, and your plan for any upgrades.

Usually a fit: Agency and bank loans, bridge loans

Lenders look at the tenants, how long their leases run, and the traffic around the center.

Usually a fit: Bank and life company loans, CMBS

Lenders look at when leases end and what it will cost to fill empty space.

Usually a fit: Bank loans, SBA 504 if you occupy it

Lenders look at the tenant, the lease length and how useful the building is.

Usually a fit: Life company and bank loans, CMBS

When you run the business, lenders look at the business's cash flow and your personal finances together.

Usually a fit: SBA 7(a) and 504, bank loans

Lenders look at each part (apartments, shops, offices) and how they support each other.

Usually a fit: Bank and life company loans, bridge loans

Lenders look at permits, the budget, the builder and how the loan will be paid off.

Usually a fit: Construction loans, mezzanine debt and equity

General information only. Every lender has its own rules, and terms depend on the property, the borrower and the market.

Tell us about your deal.