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“With Chartway’s competitive rates, multiple financing options, and dedicated support from our experts, navigating the complexities of commercial real estate financing has never been easier. Let us be your partner in realizing your business's full potential.”

“What are the interest rates on a loan like this? Interest rates for commercial loans are tied to the 5-year Treasury Bill. As this price index rises and falls day to day, so do our interest rates. Typically, commercial real estate loan rates are locked in 5 years at a time. This means that on a 10 year loan, the interest rate of the 61st payment will adjust to the market rate at that time.”

“What documents/finances should the borrower prepare to submit with an application? Every borrower will need to submit 3 years of taxes for each business and business owner involved in the loan. Additional documents will be required, which varies from loan to loan, so it’s best to allow the commercial real estate loan officers to make those determinations with the borrower directly.”

“What is considered a commercial real estate loan? Any loan to a business for a business purpose where the collateral used is a piece of real estate is a commercial real estate loan.”

“What is the loan limit on a commercial real estate loan? The loan limits on these loans are quite high, and we can control risk on loan limits in a different way than most. These loan limits can also change from time to time, so it’s best to reach out to a commercial real estate loan officer for questions about loan limits. In general, first-time borrowers shouldn’t be concerned about loan limits in most cases.”

“What types of real estate can be used? Almost any piece of real estate can be used as collateral for a commercial real estate loan. Office buildings, warehouses, raw land, etc. If the collateral in question is land or a building, we can probably use it for a commercial real estate loan.”

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