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Commercial Real Estate Loans for Owners and Investors

Purchase, refinance, cash-out, bridge, or build. LendNav matches business owners and investors with commercial lenders, then walks you through every step to closing.

  • Owner-occupied purchases with no tax returns
  • No personal income check for investment properties
  • Refinance: cash-out, lower rate, or exit a balloon
See My Options 4.7 Excellent on Trustpilot

No cost to see your options, and no documents needed to start.

LendNavExample

Your deal

Cash-out refinance

$1,850,000

PropertyRetail
OccupancyOwner-occupied

Your options

No tax returns programOwner-occupied option available
Specialist assignedCalling you with lender options
Review options
Purchase or refinanceOwners and investorsNo documents to start
what's the deal?

What are you financing?

Pick one to start. We'll carry your answer into the questionnaire.

PurchaseBuy the building your business runs in, or add an investment property.Start hereRefinanceLower your rate, change your term, or get out from under a balloon or reset.Start hereCash-out refinanceTurn equity in a property you own into capital for your business.Start hereBridge or seller-note payoffPay off a seller note or private loan while you line up permanent financing.Start hereConstruction or renovationFund ground-up work, a build-out, or a major renovation.Start hereSomething elseMixed deals, portfolios, or anything that doesn't fit a box.Start here

Programs for owners and investors

Owner-occupied: your business operates in the building. Lenders look at the business and the property, and there are programs that don't require tax returns.

Investment property: you lease it to tenants. Lenders qualify the deal on the property's rental income, with no personal income check.

Properties we finance

  • Retail and storefronts
  • Office and medical
  • Mixed-use and multifamily (5+ units)
  • Industrial and warehouse
  • Restaurants, gas stations, and c-stores
LendNavExample

Your deal

Deal questionnaire
Specialist review
Lender options
Term sheet
Appraisal and underwriting
Closing

How it works

  1. 1

    Tell us about the deal

    A 5-minute questionnaire that only asks what applies to your loan. No documents to start.

  2. 2

    Compare lender options

    A LendNav specialist reviews your deal, comes back with options, and gives you the short list of documents the lender will need.

  3. 3

    Close with confidence

    We stay with you through appraisal, underwriting, and title, all the way to closing.

See My Options
FAQ

Questions owners and investors ask

What types of properties do you finance?

Retail, office, mixed-use, multifamily with five or more units, industrial and warehouse, restaurants, gas stations and convenience stores, medical, and other commercial property. Special-use properties may need extra review, such as an environmental report.

Do I need tax returns?

Not always. For owner-occupied properties, where your business operates in the building, there are programs that don't require tax returns. Full-documentation options are available too, and often price better if your returns are strong.

How are investment properties qualified?

Investment properties can be qualified on the property's own rental income rather than your personal income, so there's no personal income check on those programs. Leases, rent roll, and operating expenses matter most.

Can you help me pay off a seller note or a bridge loan?

Yes. Bridge and payoff loans can retire a seller note, private loan, or maturing bank loan while you set up long-term financing. We'll ask how the loan will be repaid so we can match the right lender.

How long does it take to close?

It depends on the deal. Appraisal, title, and any environmental review drive the timeline. Your specialist will give you a realistic schedule up front, and we work back from any contract or maturity date you have.

Does it cost anything to see my options?

No. There's no cost to complete the questionnaire or review your options, and no documents are needed to start. Any loan costs are disclosed by the lender before you accept an offer.

Tell us about your deal

Five minutes, no documents, and a LendNav specialist who comes back with real options.

See My Optionsor call (914) 712-6669

LendNav LLC is a lending marketplace and does not itself extend credit. All loans are made by third-party lenders and are subject to underwriting approval, verification, appraisal, title and environmental review, and program eligibility. Programs, terms, and documentation requirements vary by lender, property type, and state, may change without notice, and are not available in all areas. Checking your options uses a soft credit inquiry where available; a lender may request a hard inquiry if you proceed with an application.