Which Commercial Loan Is Right for Your Deal? SBA, Bridge, CMBS, Life Company & Hard Money
Episode notes
Not every commercial real estate deal can — or should — be financed the same way.
In Episode 8 of Zoned Commercial, I break down the major commercial real estate financing structures, how each one works, who each is designed for, the pros and cons, and the specific deal scenarios where each financing option makes sense. The right financing structure can make a good deal work. The wrong financing can create unnecessary costs, restrict your exit strategy, or put an otherwise strong investment at risk. I am Roy Malkison — licensed realtor, loan officer, insurance agent, and business broker. Founder of Malkison Company.
In this episode we cover: — Conventional commercial loans
— the baseline and when they make sense
— SBA 7(a) loans
— flexible financing for small business owners
— SBA 504 loans
— one of the most powerful options for owner-occupied commercial real estate
— Bridge loans
— short-term financing for transitional, value-add, and quick-close deals
— CMBS loans
— competitive fixed-rate financing and non-recourse protection, but with important restrictions
— Life company loans
— long-term financing for high-quality commercial assets
— Hard money and private lending
— when speed and flexibility matter more than cost
— How to determine which financing structure fits your specific property, business plan, hold period, and loan size.
The key takeaway: commercial financing is not one-size-fits-all. Before choosing a loan, ask five questions: Is the property stabilized or transitional? Are you an owner-occupant or investor? How long do you plan to hold the property? How much flexibility do you need? What is your loan size? Those answers can point you toward the financing structure that actually fits your deal.
📞 WORK WITH ROY MALKISON Real Estate · Loans · Insurance · Business Brokerage
📱 (972) 918-5500 🌐 malkison.com
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