U.S. BANK COMMERCIAL REAL ESTATE LOANS

Flexible financing options at competitive rates

Whether you're looking to purchase, refinance or remodel a property, U.S. Bank offers commercial loan solutions, including Small Business Administration (SBA) loans, that fit your business needs.

 

Apply now

Questions before you get started?

Talk to a dedicated U.S. Bank Business Banker by calling 855‑625‑7354.

Earn a closing credit of up to $3,000.

State Farm customers that open a new U.S. Bank Commercial Real Estate loan by December 31 may be eligible to receive a credit at closing from U.S. Bank that is equal to the property’s annual insurance premium. 1

Explore your options below.

U.S. Bank commercial real estate loans

Choose from 5-year, 10-year and 15-year loan options with up to 25-year amortization. Ask your U.S. Bank Business Banker about commercial real estate financing options that can lower your monthly payment, increase your cash flow or modify loan terms.

Owner-occupied loans

Refinance, purchase or remodel with flexible terms and potential tax advantages.2

  • Up to 80% loan-to-value ratio
  • Variable and fixed rate options available
  • Real estate secured line of credit option
Apply now

Investment property loans

Find loans for mixed-use, multi-family and multi-tenanted buildings.3

  • Flexible repayment terms tailored to your needs
  • Competitive rates
Apply now

SBA loans

Small Business Administration (SBA) loans, whether fixed or variable, require smaller down payments. They offer full amortization, so there's no large payment at the end.

SBA 7(a) business loan

  • Loan amounts up to $5 million
  • Terms up to 10 years
  • Flexible collateral options
  • Competitive rates

SBA 7(a) real estate loan

  • Loan amounts up to $5 million
  • Terms up to 25 years
  • Variable and long-term fixed-rate options
  • Additional $2 million direct funding by U.S. Bank (SBA 7 (a) Pari Passu loan)

SBA 504 real estate loan

  • Loan amounts up to $12.375 million, with larger projects considered
  • U.S. Bank and Certified Development Company (CDC) loan terms up to 25 years
  • Equipment loan terms up to 10 years
Apply for an SBA loan

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Secured Quick Loan

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Payment solutions

Simplify payments with secure, reliable and efficient credit card processing for businesses of all sizes.

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U.S. Bank Gold Business Checking

Easily manage the cash flow of your growing business.

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Cash Flow Manager

Ensure you have cash on hand when you need it, whether for upgrades or unexpected outages.

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Frequently asked questions

The main difference is whether the property is used by the owner’s business or rented out to others. This affects the loan terms and whether they qualify for certain programs.

  • Owner-occupied loan: This type of loan is for properties where the business that owns the property also uses at least 51% of the space. They may qualify for special programs like SBA loans.
  • Investment property loan: This loan is for properties bought as investments and rented out to tenants.

An SBA loan is a government-backed loan designed to help small businesses access funding. SBA loans often feature lower down payments, longer repayment terms and competitive interest rates, making them an attractive option for small businesses looking to start, grow or expand. While the SBA doesn’t directly lend money, it partners with approved lenders to guarantee a portion of the loan, reducing the risk for lenders.

Each loan is designed to help businesses with specific needs.

  • SBA 7(a) business loan: This is the most flexible loan. It’s often used to buy a business, buy out a business partner, purchase equipment, pay off debt, make improvements or cover things like inventory and working capital.
  • SBA 7(a) real estate loan: This loan is for businesses that need to buy, expand, refinance or build owner-occupied commercial real estate.
  • SBA 504 real estate loan: This loan is also for buying, refinancing or building owner-occupied real estate. However, it’s usually for bigger projects and involves working with a lender and a Certified Development Company (CDC).

No. You can apply online or call a U.S. Bank Business Banker at 855‑625‑7354.

Apply now
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  2. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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Deposit products are offered by U.S. Bank National Association. Member FDIC.

Financing maximums and terms are determined by borrower qualifications and use of funds.

Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. Certain restrictions apply to refinancing options and are subject to program terms. Refinances of existing SBA loans are excluded. Some restrictions and fees may apply.

Credit products offered by U.S. Bank National Association and subject to normal credit approval.

State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. 

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