COMMERCIAL PERMANENT FINANCING
Built for
Who this program is built for.
For an established commercial property, lenders look closely at income and stability. Rent rolls, occupancy, lease quality, operating statements and debt-service coverage help shape the available leverage, term and recourse. Upperhand packages the opportunity and compares it across capital partners.
01
Commercial investors
Acquiring or refinancing an income-producing property.
02
Business owners
Purchasing or financing the space where the business operates.
03
Property owners
Reviewing a refinance or planning a new investment.
Purchase or refinance, structured around the deal.
Every request starts with what the financing needs to accomplish. Upperhand analyzes the property’s income, the debt it can support and your plan for the asset, then matches the request to capital partners with real appetite for it.
01
Purchase
Acquire an income-producing property, or buy the building your business operates from instead of renting it.
02
Rate-and-term refinance
Replace a maturing, adjustable-rate or balloon loan with longer-term financing and more predictable payments.
03
Cash-out refinance
Put built-up equity to work for property improvements, your next acquisition or retiring higher-cost debt.
Properties we finance.
Upperhand’s lender network covers a wide range of commercial property types for investors and owner-users. Lender appetite varies by asset, market and occupancy, which is why we compare options instead of forcing one fit.
01
Multifamily & mixed-use
Apartment buildings with five or more units, and properties that combine residential and commercial space.
02
Retail & office
Storefronts, neighborhood retail and office buildings, whether leased to tenants or occupied by your business.
03
Industrial & warehouse
Warehouses, flex space and light-industrial buildings for investors and owner-users.
Don’t see your property type? Bring us the deal. If there isn’t a fit, we’ll tell you quickly and explain why.
Investor Commercial
Loan amount
$200K-$25M+
Max LTV
80% purchase · 75% refinance
Minimum DSCR
1.00×
Rate structure
5, 7, 10 & 30 Year Fixed
Amortization
Up to 30 years
Close timing
30–45 days
Owner - User
Loan amount
$200K-$25M+
Max LTV
80% purchase · 75% refinance
Rate range
7.125%–11.25%
Amortization
25 or 30 years
Owner occupancy
50% or more
Close timing
35–45 days
From first conversation to closing.
A complete, well-analyzed package gets serious attention from lenders. Here’s how we get your deal there.
01
Share the deal
Tell us about the property, the request and your timeline. A rent roll, operating statements and the purchase contract or current loan details help us start fast.
02
We underwrite it first
Before any lender sees the file, we analyze cash flow, debt-service coverage, sources and uses and your exit, so you see the numbers that drive the decision.
03
Compare and close
We bring competing lender options side by side, help you choose the right structure and coordinate diligence through funding.
