Funding

Commercial Loans

Financing built for commercial real estate and large asset acquisitions.

Loan Range

$250K – $25M

Terms

5 – 30 years

LTV

Up to 80%

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What it is

Understanding Commercial Loans

Commercial loans finance income-producing real estate and major business assets — office buildings, retail centers, industrial properties, multifamily units, and heavy equipment. Emison Capital structures conventional, bridge, and CMBS-style commercial financing tailored to the deal.

How it works

A clear, five-step path to funding

1
Share the property or asset details, purchase price (or valuation), and intended use.
2
Provide the borrowing entity documents, personal financial statements, and a rent-roll or income summary if applicable.
3
An appraisal, environmental review, and title work are ordered.
4
We negotiate terms across multiple commercial lenders and present the strongest offer.
5
Close through a title/escrow company and begin scheduled repayment.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

Personal FICO score of 660+ for the sponsor / guarantor.
Debt Service Coverage Ratio (DSCR) of 1.20x or greater on the subject property.
Down payment / equity of 20–35% depending on asset class.
Documented reserves — typically 6–12 months of debt service.
Property appraisal and clear title.
For owner-occupied deals: 2 years of business tax returns.

Ideal for

Common use cases

Purchase of office, retail, or industrial property

Multifamily and mixed-use acquisitions

Refinance of existing commercial debt

Cash-out refinance for property improvements

Owner-occupied commercial real estate

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.

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