1West real estate
Commercial real estate financing
Last updated: November 2026
What is commercial real estate financing?
Commercial real estate financing is a loan secured by a lien on commercial property, used to buy, renovate, or expand a business site.
1West lists commercial real estate financing from $100K to $20M, terms of 6 to 60 months, rates as low as 6%, and about two to three weeks to fund, available in all 50 states. It suits businesses ready to purchase, renovate, or expand a new or existing commercial property.
Commercial real estate financing at a glance
- Rate as low as
- 6%, as listed by 1West
- Term
- 6 to 60 months
- Amount
- $100K to $20M
- Time to fund
- About 2 to 3 weeks, as listed by 1West
- Availability
- All 50 states
Figures as listed on the 1West real estate financing page, as of November 2026. "As low as" rates are not a quote.
What is commercial real estate financing?
A Commercial Real Estate (CRE) loan is financing secured by a lien on a commercial property, as opposed to a residential property. These properties usually relate to an income producing entity, and the loans are often used to purchase, renovate, or expand a new or existing site.
When it is a strong fit
- Buying the building your business operates from
- Renovating or expanding an existing site
- Larger projects starting at $100K
When another option fits better
If your project is under $100K or is mostly equipment, equipment financing or working capital may be a closer fit. Owners planning a long term property purchase may also compare an SBA 504 structure.
Make space to grow: property financing is a long decision, so compare structures before you commit.
Property financing and SBA 504
For property projects, it is worth knowing the SBA 504 structure as described on SBA.gov: a private lender senior lien covering up to 50% of the project cost and a borrower contribution of at least 10% equity. Comparing that against a conventional CRE loan helps you see the cash you will need upfront.
How to apply for commercial real estate financing
Define the project
Purchase, renovation, or expansion: know the cost and timeline.
Apply through ABLE
One 1West application lets you compare CRE financing with SBA and other options.
Compare structures
Weigh rate, term, down payment, and total cost before committing.
Official product details: Commercial real estate financing on 1west.com. Compare every option on our small business funding options page.
Questions about commercial real estate financing
- What is an SBA loan?
- An SBA loan is a business loan made by an approved lender and partially guaranteed by the U.S. Small Business Administration. The guarantee lowers lender risk, which can allow longer terms. You must meet both SBA eligibility rules and the lender own requirements, so preparation matters.
- What documents are needed for a business loan?
- For most applications through 1West, the core document is four months of business bank statements. Depending on the product, lenders may also request tax returns, financial statements, a debt schedule, equipment quotes, or details of outstanding invoices. SBA and real estate loans usually need the most documentation, so organize those early.
- How long does it take to get funds?
- Funding time depends on the product and lender. 1West lists about one week for equipment financing, about two weeks for accounts receivable financing, and about two to three weeks for commercial real estate financing. SBA loans generally involve a longer review. Responding quickly to document requests is the best way to avoid delays.
- How can you reduce your total loan cost?
- You can reduce your total loan cost by borrowing only what you need, choosing the shortest term your cash flow can handle, comparing several offers on total repayment, asking about prepayment savings, and improving your credit before applying. Applying once through 1West lets you compare multiple offers side by side, which is the simplest place to start.
- Do I need collateral for a business loan?
- Not always. 1West unsecured working capital requires no assets or collateral and is approved based on cash flow. Equipment financing uses the equipment as collateral, receivables financing uses funds due from clients, and commercial real estate loans are secured by a lien on the property.
Other 1West financing options
Compare commercial real estate financing offers with one application
ABLE accepts applications 24/7 and the 1West team helps you weigh the offers you receive.
Eligibility and final terms depend on the financing product and lender. No approval, rate, or timing is guaranteed.