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Commercial Long-Term Loans

Long Term Financing

Permanent financing for stabilized commercial property. Buy, refinance or pull cash out with bank loans amortized over 30 years, or HUD loans fixed for up to 40.

Loan-to-value75%Up to, purchase or refinance
Amortization30 yrsUp to, on bank loans
HUD loans40 yrsFixed rate, non-recourse
Loan amount$20MBank loans; larger case by case
Eligible properties

Permanent loans for income-producing property

We match stabilized properties to bank portfolio lenders and HUD-insured programs, depending on the asset, the loan size and how long you plan to hold.

Multifamily

Apartment buildings and communities from 5 to 200 units, plus 2–4 unit investor properties.

Mixed-use

Apartments with retail or office space.

Retail, office and industrial

Credit or non-credit tenants, single tenant case by case.

Mobile home parks

Parks with single and double-wide homes, including park-owned homes.

Student housing

Near universities, including rent-by-the-bed properties.

Affordable, senior and healthcare

Affordable housing, senior housing and healthcare through HUD programs.

Program terms

Long-term loan terms

The best terms available across our lending partners. Bank loans offer speed and flexibility; HUD loans offer the longest fixed terms.

Bank loan amount
Up to $20,000,000; larger amounts case by case
Loan-to-value
Up to 75% on multifamily, mixed-use and mobile home parks; up to 70% on retail, office and industrial
Bank loan structure
3, 5, 7 and 10-year fixed periods, amortized over 25 or 30 years
HUD loans
Up to 40 years, fixed rate, fully amortizing and non-recourse
HUD programs
223(f) acquisition and refinance, 223(a)(7) HUD refinance, 241(a) supplemental loans, 232 senior housing and healthcare
Net lease (NNN)
From $500,000; up to 30-year amortization; fixed rates; single and multi-tenant, investment and non-investment grade tenants; 1031 exchanges accepted
Apartments
See multifamily loans for Fannie Mae, Freddie Mac and HUD programs
Loan purpose
Purchase, refinance, cash-out refinance and bridge loan payoff
Credit
Flexible: lower credit scores and past credit events considered with select lenders
Foreign investors
Non-resident aliens considered, up to 50% LTV
Markets
Nationwide; bank programs favor metro areas of 250,000+ people
Borrower
LLC, LP or corporation; owner-occupied and single-tenant property case by case
How it works

From stabilized property to permanent loan

Send the property

Share the rent roll, operating statements, the loan you want and how long you plan to hold.

Compare bank and HUD

We size the loan with bank and HUD options and show you the trade-offs in rate, term, recourse and timeline.

Close and hold

Close the permanent loan, pay off your bridge or construction loan, and lock in long-term payments.

What you'll need

Documents checklist

  • Driver's license or passport for each guarantor
  • Entity documents (articles, operating or partnership agreement, EIN letter)
  • Current rent roll and leases
  • Trailing 12-month and prior-year operating statements
  • Purchase contract, or current loan payoff on a refinance
  • Schedule of real estate owned
  • Personal financial statement and recent bank statements
  • Property insurance
Example

Refinancing out of a bridge loan

Once the property is stabilized, a permanent loan pays off short-term debt and can return equity.

Permanent loan = up to 75% of stabilized value
Stabilized value$4,000,000 Permanent loan at 75%$3,000,000 Bridge loan payoff$2,400,000 Cash out before costs$600,000

Illustration only. Leverage depends on property type, income and lender.

Common questions

Long-term financing FAQ

Bank loan or HUD loan?

Bank loans close faster and offer 3 to 10-year fixed periods on a 25 or 30-year amortization. HUD loans take longer to close but lock a fixed rate for up to 40 years with no personal recourse. We will show you both when your property qualifies.

What is a hybrid loan?

The rate is fixed for an initial period of 3, 5, 7 or 10 years, then adjusts. Payments are based on a 25 or 30-year amortization.

Can I refinance out of a bridge or construction loan?

Yes. That is the most common use. Stabilize the property with a bridge loan or finish a construction project, then move it here.

I have past credit issues. Can I still qualify?

Possibly. Select lenders consider low credit scores, past foreclosures or bankruptcies, and limited liquidity when the property itself is strong.

Do you finance foreign investors?

Yes. Non-resident aliens can qualify with a valid passport and income documentation, at up to 50% loan-to-value.

Ready to lock in long-term financing?

Send us the property. We'll compare bank and HUD options for you.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, amortization, recourse and eligibility vary by lender, property type, market and program. HUD programs are subject to HUD approval and timelines. Business-purpose financing only. All loans are subject to lender review and approval.