Expand your business with real estate

Alliant's Commercial Real Estate Loans feature competitive rates and a quick approval process.

Commercial Real Estate Loans
The Run Down
  • Great loan rates on commercial investment & owner-occupied real estate
  • Flexible prepayment penalties 
  • Loans are typically closed within 60-90 days
  • No depository account requirements
  • Nationwide lending territory

Do I qualify for a commercial real estate loan?

We provide commercial real estate loans for owner-occupied properties and investment properties.
  • Owner-occupied properties: you are the sole or primary tenant of the property
  • Investment properties: third-party tenants are occupying all or a majority of the property

What you'll get

Quick Response

Commercial real estate loans are usually closed within 60-90 days. All decision processes are completed at Alliant.

Competitive Rates & Flexible Terms

Alliant is a not-for-profit credit union, so we are able to offer very competitive rates and flexible terms for commercial real estate loans.

Alliant Service

We service our own loans, so you don't have to work through a third-party servicer.

Markets we serve

We provide commercial real estate loans to a variety of property types, specializing in investment and owner-occupied properties.

Multifamily

Apartment complexes and other multi-family buildings, including garden-style, urban, suburban and selective mobile home parks, can produce great revenues on a consistent basis. We are able to offer very favorable credit terms and competitive loan rates on these property types.

Warehouse buildings

Warehouse facilities can be excellent investment opportunities. We can offer competitive financing rates for most warehouse properties and industrial buildings including distribution warehouses, offices/warehouses and flex buildings. We also offer financing for single-tenant buildings.

Retail

Retail centers, including anchored retail, shadow-anchored retail and strip-retail properties and shopping centers located in prime areas are an excellent investment opportunity. We also offer financing on single-tenant buildings with national and regional tenants.

Office

Large and small office buildings located in prime areas can receive very good financing rates. Suburban, well-leased office buildings and medical-office buildings are candidates for financing.

Other

Other property types we finance include self-storage, hospitality, restaurants, gas stations and convenience stores. We provide financing for both single tenant and mixed-use properties. If you have a different property type not mentioned here, please contact us to discuss.

Loan Amounts: Loans are generally between $1 million to more than $20 million

Loan Terms: 3–7 year fixed-rate balloon maturities; up to 15 year maturities with rate adjustments

Amortization: 25 years for most property types, 30 years for multifamily and credit tenants under long-term leases

Loan-to-value: 75% maximum for most property types, 80% for multifamily or credit tenants under long-term leases

Debt service coverage: 1.25 minimum for most property types, 1.2 for multifamily or credit tenants under long-term leases

Do you think your business might qualify as a small business?

If so, you can receive favorable terms with an SBA 504 commercial real estate loan. Check out our SBA 504 loan product for more information and to see if your business qualifies.

Ready to Get Started?

Speak to one of our business loan experts. We'll help you determine your exact needs and the best financing options available. When you're ready, we'll also help you apply for a business loan.

773-462-2103

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