
Commercial Real Estate Financing 215-741-3131 800-757-1990 . Commercial Loans from $500,000 to $2.5 Million Purchase • Refinance • Cash-Out Net Equity Financial Mortgage LLC provides commercial real estate financing for investors, business owners, and property owners seeking loans generally ranging from $500,000 to $2.5 million. Commercial transactions often require more flexibility than traditional residential financing. We work with multiple commercial lending sources to help identify financing options based on the property, cash flow, borrower profile, and purpose of the loan. Whether you are purchasing a new property, refinancing an existing commercial mortgage, or accessing equity through a cash-out refinance, we can help evaluate your financing options. Commercial Property Types We arrange financing for a variety of commercial and income-producing properties, including: Mixed-Use Properties Financing for properties combining residential and commercial uses, including retail, office, or restaurant space with apartments or other residential units. Multifamily Properties Financing for 5+ unit apartment buildings, small apartment complexes, and other multifamily investment properties. Strip Centers & Retail Properties Purchase, refinance, and cash-out financing for neighborhood shopping centers, retail buildings, and other income-producing retail properties. Office Buildings Financing for owner-occupied and investment office properties. Warehouse & Industrial Properties Commercial financing for warehouse, light industrial, flex-space, and similar properties. Self-Storage Facilities Financing options for existing self-storage facilities and qualifying acquisitions. Owner-Occupied Commercial Properties Financing for business owners purchasing or refinancing the real estate used to operate their business. Other Commercial Investment Properties Have a property that does not fit neatly into one of these categories? Contact us to discuss the property and financing request. Purchase Financing Purchasing commercial real estate is different from buying a residential property. Commercial lenders may consider the property's income, leases, occupancy, condition, location, borrower experience, available equity, and overall transaction structure. We help borrowers evaluate financing options for the acquisition of income-producing and owner-occupied commercial properties. Commercial Refinance Commercial property owners may refinance to: Replace an existing commercial mortgage Improve the current loan structure Extend the loan term Restructure maturing or balloon debt Consolidate existing property-related debt Adjust ownership or partnership financing The best structure depends on the property, current financing, equity position, cash flow, and borrower qualifications. Commercial Cash-Out Refinance Commercial real estate can represent a substantial source of available equity. Qualified property owners may be able to access equity for: Property renovations or improvements Additional real estate investments Business expansion Working capital Debt consolidation Partner buyouts Other investment or business purposes Cash-out availability depends on property value, existing debt, cash flow, loan-to-value requirements, and lender guidelines. How Commercial Loans Are Evaluated Commercial mortgage underwriting typically focuses on both the borrower and the property. Depending on the transaction, lenders may review: Property value Net operating income Rental income Debt Service Coverage Ratio (DSCR) Current occupancy Lease terms Property condition Borrower credit Liquidity and reserves Borrower experience Ownership structure Requested loan-to-value Purpose of the loan Different commercial lenders can evaluate the same transaction very differently. That is one of the advantages of working with a commercial mortgage broker. Why Work With Net Equity Financial? Commercial lending is rarely one-size-fits-all. A transaction that does not fit one bank's lending guidelines may fit another lender extremely well. Net Equity Financial works with multiple commercial lending sources and helps borrowers compare potential financing structures based on the individual transaction. We can help evaluate important factors including: Loan amount Interest rate Loan term Amortization Loan-to-value Debt-service requirements Prepayment provisions Cash-out availability Closing costs Recourse requirements Property and borrower qualifications Our goal is to help identify a financing structure that makes sense for both the property and the borrower. Small-Balance Commercial Lending Our primary focus is commercial real estate financing generally ranging from: $500,000 to $2.5 Million This range includes many transactions that may be too specialized for residential lenders while still being considered relatively small by large institutional commercial lenders. We work with property owners and investors to help bridge that gap. Transactions outside this range may also be considered depending on the property, borrower, and available loan program. Commercial Financing Beyond Bucks County Net Equity Financial is based in Bucks County, Pennsylvania, but our commercial lending capabilities are not limited to the immediate local market. Depending on the property location, loan program, and lending source, financing may be available for qualifying commercial properties throughout Pennsylvania and in other states. If your property is located outside Bucks County or outside Pennsylvania, contact us to discuss the location and financing request. What Do We Need to Get Started? You do not need a complete commercial loan package to have an initial conversation. For a preliminary review, it is helpful to provide: Property address Property type Purchase price or estimated value Current mortgage balance, if applicable Requested loan amount Purpose of the loan Number of units or commercial spaces Current rental income Approximate annual property expenses Occupancy information With this basic information, we can begin evaluating whether the transaction may fit available commercial lending programs. Discuss Your Commercial Financing Needs If you are purchasing, refinancing, or accessing equity from commercial real estate, contact Net Equity Financial to discuss the property and your financing goals. If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan. Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the DEBT SERVICE COVERAGE RATIO (DSCR) formula to qualify. This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance. Commercial Real Estate Purchase The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property. What type of property will you acquire? How will the property be used to improve your cash flow and financial goals? How long will you hold the property? Will you be an owner/tenant or just an investor? And do you have an exit strategy? These are all questions you’ll want to think about before applying for your commercial financing. Commercial Property Loans The cash flow generated from your commercial real estate property will be one of the key factors in determining both the value of the property, loan as well as its future return. The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market Have questions about commercial financing? Click the links below for information about DSCR, cash-out refinancing, mixed-use properties, appraisals, LLC ownership and loan requirements. Mixed Use Properties Multi-Family Properties Auto Repair Centers Commercial Retail Space Office Buildings Auto Dealerships Self-Storage Facilities Warehouses Strip Shopping Centers Net Equity Financial Mortgage LLC Mixed-Use • Multifamily • Retail • Strip Centers • Office • Warehouse • Self-Storage • Owner-Occupied Commercial

Commercial Real Estate Financing

215-741-3131 800-757-1990

Commercial Loans from $500,000 to $2.5 Million

Purchase • Refinance • Cash-Out

Net Equity Financial Mortgage LLC provides commercial real estate financing for investors, business owners, and property owners seeking loans generally ranging from $500,000 to $2.5 million. Commercial transactions often require more flexibility than traditional residential financing. We work with multiple commercial lending sources to help identify financing options based on the property, cash flow, borrower profile, and purpose of the loan. Whether you are purchasing a new property, refinancing an existing commercial mortgage, or accessing equity through a cash-out refinance, we can help evaluate your financing options.

Commercial Property Types

We arrange financing for a variety of commercial and income-producing properties, including:

Mixed-Use Properties

Financing for properties combining residential and commercial uses, including retail, office, or restaurant space with apartments or other residential units.

Multifamily Properties

Financing for 5+ unit apartment buildings, small apartment complexes, and other multifamily investment properties.

Strip Centers & Retail Properties

Purchase, refinance, and cash-out financing for neighborhood shopping centers, retail buildings, and other income-producing retail properties.

Office Buildings

Financing for owner-occupied and investment office properties.

Warehouse & Industrial Properties

Commercial financing for warehouse, light industrial, flex-space, and similar properties.

Self-Storage Facilities

Financing options for existing self-storage facilities and qualifying acquisitions.

Owner-Occupied Commercial Properties

Financing for business owners purchasing or refinancing the real estate used to operate their business.

Other Commercial Investment Properties

Have a property that does not fit neatly into one of these categories? Contact us to discuss the property and financing request.

Purchase Financing

Purchasing commercial real estate is different from buying a residential property.

Commercial lenders may consider the property's income, leases, occupancy, condition, location, borrower experience, available equity, and overall transaction structure.

We help borrowers evaluate financing options for the acquisition of income-producing and owner-occupied commercial properties.

Commercial Refinance

Commercial property owners may refinance to:

Replace an existing commercial mortgage
Improve the current loan structure
Extend the loan term
Restructure maturing or balloon debt
Consolidate existing property-related debt
Adjust ownership or partnership financing

The best structure depends on the property, current financing, equity position, cash flow, and borrower qualifications.

Commercial Cash-Out Refinance

Commercial real estate can represent a substantial source of available equity.

Qualified property owners may be able to access equity for:

Property renovations or improvements
Additional real estate investments
Business expansion
Working capital
Debt consolidation
Partner buyouts
Other investment or business purposes

Cash-out availability depends on property value, existing debt, cash flow, loan-to-value requirements, and lender guidelines.

How Commercial Loans Are Evaluated

Commercial mortgage underwriting typically focuses on both the borrower and the property.

Depending on the transaction, lenders may review:

Property value
Net operating income
Rental income
Debt Service Coverage Ratio (DSCR)
Current occupancy
Lease terms
Property condition
Borrower credit
Liquidity and reserves
Borrower experience
Ownership structure
Requested loan-to-value
Purpose of the loan

Different commercial lenders can evaluate the same transaction very differently.

That is one of the advantages of working with a commercial mortgage broker.

Why Work With Net Equity Financial?

Commercial lending is rarely one-size-fits-all.

A transaction that does not fit one bank's lending guidelines may fit another lender extremely well.

Net Equity Financial works with multiple commercial lending sources and helps borrowers compare potential financing structures based on the individual transaction.

We can help evaluate important factors including:

Loan amount
Interest rate
Loan term
Amortization
Loan-to-value
Debt-service requirements
Prepayment provisions
Cash-out availability
Closing costs
Recourse requirements
Property and borrower qualifications

Our goal is to help identify a financing structure that makes sense for both the property and the borrower.

Small-Balance Commercial Lending

Our primary focus is commercial real estate financing generally ranging from:

$500,000 to $2.5 Million

This range includes many transactions that may be too specialized for residential lenders while still being considered relatively small by large institutional commercial lenders.

We work with property owners and investors to help bridge that gap.

Transactions outside this range may also be considered depending on the property, borrower, and available loan program.

Commercial Financing Beyond Bucks County

Net Equity Financial is based in Bucks County, Pennsylvania, but our commercial lending capabilities are not limited to the immediate local market.

Depending on the property location, loan program, and lending source, financing may be available for qualifying commercial properties throughout Pennsylvania and in other states.

If your property is located outside Bucks County or outside Pennsylvania, contact us to discuss the location and financing request.

What Do We Need to Get Started?

You do not need a complete commercial loan package to have an initial conversation.

For a preliminary review, it is helpful to provide:

Property address
Property type
Purchase price or estimated value
Current mortgage balance, if applicable
Requested loan amount
Purpose of the loan
Number of units or commercial spaces
Current rental income
Approximate annual property expenses
Occupancy information

With this basic information, we can begin evaluating whether the transaction may fit available commercial lending programs.

Discuss Your Commercial Financing Needs

If you are purchasing, refinancing, or accessing equity from commercial real estate, contact Net Equity Financial to discuss the property and your financing goals.

If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan. Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the DEBT SERVICE COVERAGE RATIO (DSCR) formula to qualify. This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance.

Commercial Real Estate Purchase
The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property. What type of property will you acquire? How will the property be used to improve your cash flow and financial goals? How long will you hold the property? Will you be an owner/tenant or just an investor? And do you have an exit strategy? These are all questions you’ll want to think about before applying for your commercial financing.

Commercial Property Loans
The cash flow generated from your commercial real estate property will be one of the key factors in determining both the value of the property, loan as well as its future return. The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market

Have questions about commercial financing?
Click the links below for information about DSCR, cash-out refinancing, mixed-use properties, appraisals, LLC ownership and loan requirements.

Mixed Use Properties Multi-Family Properties Auto Repair Centers Commercial Retail Space Office Buildings Auto Dealerships Self-Storage Facilities Warehouses Strip Shopping Centers

Net Equity Financial Mortgage LLC

Mixed-Use • Multifamily • Retail • Strip Centers • Office • Warehouse • Self-Storage • Owner-Occupied Commercial

Strip Shopping Centers	Auto Repair Centers	Commercial Retail Space
Office Buildings	Auto Dealerships	Self-Storage Facilities
Multi-Family Properties	Warehouses	Mixed Use Properties

Strip Shopping Centers	Auto Repair Centers	Commercial Retail Space
Office Buildings	Auto Dealerships	Self-Storage Facilities
Multi-Family Properties	Warehouses	Mixed Use Properties