For more than 40 years, Market Capital Lending has helped investors and business owners finance the buildings their money is made in — part of the $375 million+ we've funded for our clients. We've closed deals for owners right here near Loganville, Georgia and for investors operating nationwide across 46 states, from a single storefront to a multi-property portfolio. It's the core of what we do. And as a veteran-owned business, we bring the same values to every file: straight advice, relentless advocacy for your deal, and treatment that always puts you first. Below is what you need to know about commercial real estate loans — and how we help you get funded.
What is a commercial real estate loan, in plain terms?
A commercial real estate loan works much like a residential mortgage — but for income-producing or business-use property. You borrow against the building, repay over a set term, and the property serves as collateral. The difference is in the underwriting: lenders weigh the property's income and the deal structure alongside your personal financials, not just a pay stub.
That's why the right partner matters. As both a direct lender and a brokerage with a network of 40–50 lenders, we source financing across property types, deal sizes, and borrower profiles — instead of forcing your deal into one bank's narrow box.
What types of property can you finance?
We arrange commercial real estate loans across a wide range of assets, including:
- Office buildings and professional spaces
- Retail centers and storefront properties
- Mixed-use buildings that blend commercial and residential
- Industrial, warehouse, and flex space
- Specialty commercial properties
Both purchases and refinances are on the table. If you want to pull equity out of a building you already own, cash-out refinancing is an option too. And when a deal calls for a different structure, we can point you toward related programs — SBA loans for owner-occupied purchases with lower down payments, a short-term bridge loan to move quickly, ground-up construction loans, or dedicated multifamily financing for apartments.
Who are commercial real estate loans for?
These loans serve two main groups. The first is investors acquiring or refinancing income-producing property to build or optimize a portfolio, or restructuring existing debt on better terms. The second is business owners who want to own the real estate their operation runs from rather than keep writing rent checks to a landlord.
Most come to us with credit around 680 or better and a deal of $300,000 or more — though strong collateral or solid property income can open the door even when the profile isn't picture-perfect.
New to commercial property financing? See commercial real estate loans explained for the loan types, typical rates, and terms.
Why do business owners choose Market Capital Lending?
We built this firm for the borrower who doesn't fit neatly into a big bank's box — the self-employed, the entrepreneur whose write-offs shrink taxable income, the owner who was told "no" by the branch down the street. Because we lend directly and broker through 40–50 lenders, we're not tied to a single rulebook. If one lender passes, we usually know where else the deal can land.
We're also a veteran-owned, SBA-approved firm with 40+ years of combined experience and over $375 million funded — the kind of track record that matters when your financing is on the line. You work directly with people who understand commercial deals and move quickly. (Rates, approval, and terms vary by credit, collateral, loan amount, and underwriting.)
How does the underwriting process work?
It's straightforward. Underwriting for a commercial real estate loan focuses on the property's income potential (its DSCR), the loan-to-value ratio, the property's condition, and your financial strength and experience. You tell us about your deal, we identify the lenders best suited to your property type and profile, and we manage the application and submission from start to finish. Our sweet spot starts at $300,000, and through our partners we arrange financing well into the millions — on very large requests, up to $100 million and beyond. When you're ready, start your application; it takes just a few minutes. You can also learn more about MCL or browse all loan programs to compare options.
Commercial real estate loans in your market
While we fund deals in 46 states, most of our business comes from Georgia, Alabama, and Florida — especially the communities within about an hour of our Loganville office. If you're searching close to home, see our page on commercial financing across Georgia, or view where we lend nationwide. Prefer to talk it through first? Contact our team or call (678) 790-8660.
Purchase, Refinance and Cash-Out Commercial Property Loans
Commercial real estate financing can be structured for a purchase, rate-and-term refinance, or qualifying cash-out refinance. Owner-occupied property may fit SBA 7(a) or 504, while investment property is generally underwritten on net operating income, debt-service coverage, value, and sponsor strength. Borrowers who cannot document income conventionally may have DSCR or no-tax-return options, but those programs still require property and borrower documentation.
Related: SBA 504 loans, DSCR loans, commercial loans without tax returns, current commercial mortgage rates, and commercial real estate loans in Georgia.
Frequently asked questions
What credit score do I need for a commercial real estate loan?
Most of our borrowers have a credit score around 680 or higher, but that's a guideline, not a hard cutoff. Strong collateral, healthy property income, or a well-structured deal can support an approval with a lower score. The surest way to know is to let us review your specific situation.
Can I finance both a purchase and a refinance?
Yes. We arrange loans to purchase commercial property, to refinance existing debt on better terms, and to pull equity out through a cash-out refinance. The right structure depends on your property, your goals, and the lender's guidelines.
Can I get financing if a bank already turned me down?
Often, yes. A bank turndown usually reflects that one bank's criteria — not that your deal is unfundable. Because we lend directly and work with 40–50 lenders, we can take a file a traditional bank passed on and find a lender whose guidelines fit it.
How large of a loan can you arrange?
Our sweet spot starts at $300,000, and through our lender network we arrange financing well into the millions. For very large commercial requests, we also have partners that handle deals up to $100 million and beyond.
What property types do you finance?
Office, retail, mixed-use, industrial, warehouse, flex, and specialty commercial properties, among others. If you're financing apartments specifically, our multifamily financing program may be the better fit.
Do you only serve Georgia?
No — we arrange commercial real estate financing in 46 states. Most of our clients are in Georgia, Alabama, and Florida, with a concentration in the Loganville-area and metro-Atlanta markets, but we're glad to help wherever your property is.