Commercial Real Estate Financing for Investors

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Commercial real estate financing requires more than identifying an available loan program. It requires understanding the property's financial performance, the borrower's investment objectives, existing obligations, and the appropriate financing structure.

TDJ Equity Funding helps real estate investors, property owners, and developers evaluate business-purpose financing options for purchasing, refinancing, improving, and repositioning commercial investment properties.

Our strategy-first approach emphasizes transaction readiness before lender submission.

Financing options for investors purchasing income-producing commercial real estate, including office buildings, retail properties, industrial facilities, and qualifying mixed-use developments.

Refinancing may help commercial property owners replace existing debt, restructure financing obligations, or transition from short-term financing into a longer-term loan.

Owners with sufficient available property equity may qualify to access capital for additional acquisitions, improvements, portfolio expansion, or other eligible business-purpose investments.

Short-term financing may support qualifying commercial properties undergoing acquisition, refinancing, lease-up, stabilization, or repositioning before permanent financing becomes appropriate.

Financing may be available for qualifying capital improvements, tenant improvements, property upgrades, and value-add investment strategies.

Certain commercial investment projects may qualify for construction or development financing, subject to the project's feasibility, budget, approvals, and lender requirements.

• Office buildings and professional office properties
• Retail centers and shopping plazas
• Industrial buildings and warehouses
• Mixed-use commercial investment properties
• Qualifying multifamily and apartment investments
• Other eligible commercial investment properties

Property eligibility varies by lender, use, occupancy, financial performance, and transaction structure.

Commercial property lenders evaluate the financial strength of the transaction and the property's ability to support the proposed debt.

Important considerations may include:

Net Operating Income (NOI)

The property's operating income after qualifying operating expenses, before financing costs and certain other items.

Debt Service Coverage Ratio (DSCR)

A measurement of property income relative to scheduled debt service obligations.

Loan-to-Value Ratio (LTV)

The relationship between the loan amount and the property's applicable valuation.

Occupancy and Lease Performance

Tenant occupancy, lease expirations, rental collections, and income concentration can influence financing eligibility.

Borrower Equity and Financial Strength

Available equity, liquidity, reserves, credit profile, and investor experience may affect financing options.

Our preliminary transaction review may include:

• Property location, type, and intended business purpose
• Purchase price or estimated current property value
• Requested loan amount and use of funds
• Existing mortgages, liens, and required payoffs
• Rent roll, occupancy, and tenant information
• Historical property income and operating expenses
• Property condition and improvement requirements
• Borrower financial position and available capital
• Proposed loan structure and anticipated timeline
• Repayment or exit strategy

We focus on determining whether the request is sufficiently prepared for appropriate lender consideration.

Commercial real estate investment financing and SBA 504 financing serve different purposes.

Commercial investment financing generally supports qualifying income-producing properties held for investment.

The SBA 504 program is designed to support eligible business fixed-asset financing, including qualifying owner-occupied commercial property, subject to SBA program requirements.

Properties held primarily for passive investment or rental income generally do not qualify for SBA 504 financing.

TDJ Equity Funding evaluates the intended property use and financing objectives to identify the appropriate funding pathway.

1. Financing Discovery

We discuss the property, financing objectives, capital requirements, and anticipated transaction timeline.

2. Preliminary Funding Review

We evaluate property financial performance, existing debt, collateral position, and transaction readiness.

3. Lender Options

Once the request is properly prepared, TDJ identifies suitable lender opportunities and presents available financing options for consideration.

Whether you're acquiring a commercial investment property, refinancing an existing asset, or preparing for a value-add investment opportunity, TDJ Equity Funding can help you evaluate your financing strategy.

Schedule a Real Estate Funding Consultation

All financing is subject to lender guidelines, due diligence, property evaluation, and underwriting approval. Rates, loan amounts, leverage, and terms vary by lender and transaction. TDJ Equity Funding does not guarantee financing. This page addresses business-purpose commercial and investment real estate financing.