- Up to 85% loan to cost for acquisitions and refinances
- Interest only
- Cash out available
- non-recourse & recourse options
- Proceeds used for transitional strategies, quick closings, situations where traditional lenders cannot close
Commercial mortgage rates guide investors and business owners in securing competitive financing for income-producing properties, helping maximize returns and manage costs.
Want current information about commercial mortgage rates and trends from experienced CRE loan professionals? This page provides up‑to‑date insights into commercial property loan rates, what influences them, and what they mean for investors and borrowers in 2026.
Before securing a commercial real estate (CRE) loan — whether for acquisition, refinance, bridge financing, or construction — it’s important to understand:
What the current commercial loan rates are, and
Which factors influence those rates going forward
At Clopton Capital, we help investors and businesses access competitive commercial mortgage loans nationwide through a broad network of lenders.
| Multifamily Fixed Rate Loans | Low Range | High Range |
|---|---|---|
| 5 year | 4.55% | 5.65% |
| 7 year | 4.65% | 5.75% |
| 10 year | 4.70% | 5.80% |
| Commercial Fixed Rate Loans | Low Range | High Range |
|---|---|---|
| 5 year | 4.75% | 5.75% |
| 7 year | 4.85% | 5.85% |
| 10 year | 4.90% | 5.90% |
| Bridge Loan Rates | Low Range | High Range |
|---|---|---|
| Multifamily | 5.5% | 8.5% |
| Commercial | 6% | 9% |
A commercial real estate loan is any loan used to make a purchase or take an action on a property related to a business venture. Commercial mortgage loans can be used to fund everything from hotel purchases to motels, apartment complexes, condo complexes, office spaces, and much more. In many respects, commercial real estate loans are like any real estate loan— though commercial property loan rates can differ from residential loans. They sometimes require an origination fee.
Most property types that can be used to generate income can qualify for a commercial mortgage loan. That includes hotels, motels, apartments, office buildings, industrial spaces, warehouses, self-storage facilities, retail centers, condo complexes, and other multifamily real estate acquisitions. If you have questions about your specific property qualifies for a commercial real estate loan, contact Clopton Capital today and we’ll be happy to help.
In general, the average commercial loan rates are determined by the market. Interest rates can dip low and then climb back up again depending on a range of factors impacting the economy at a given point in time.
On a case by case basis, your commercial loan rates are determined by your creditworthiness, loan terms, and other details. The best commercial mortgage rates are usually reserved for those with good credit, ability to make a substantial downpayment, and a history of on-time payments of other loans.
Commercial real estate properties can be incredibly lucrative, but most people don’t have the large amount of capital required to purchase them in cash. That’s where a commercial real estate loan comes in. These loans give you the up-front cash required to purchase the property, which is then paid back to the lender over time as a commercial mortgage. In this way, you can think of commercial mortgage loans as being very similar to residential mortgage loans you might use to purchase a house.
Everyone from large corporations to small business owners can use commercial real estate loans to buy an investment property, improve or renovate existing investment properties, or complete other tasks using business loans
While all commercial real estate loans follow the same bird’s-eye-view structure, there are unique loan types for specific situations. A bridge loan, for example, is designed to have a short term lasting six months to a year. These loans provide funding necessary to make a purchase until more long-term funding can be made available. Bridge loan terms differ from a traditional loan product in that they have short periods and high interest rates — though the interest rate isn’t too consequential considering the short term of the loan.
Residential and commercial interest rates tend to follow the same general trends, though they can differ by degrees. In general, commercial business loan rates tend to have higher interest and shorter loan terms.
Currently, the average interest rate for a commercial real estate loan ranges from 2% to 18%. This wide range in commercial business rates occurs because every borrower is so different, offering different levels of creditworthiness, loan type, and other terms. The type of loan and size of the loan also affects the interest rate.
While specific rates vary widely, typical CRE loan rate ranges in early 2026 include:
Permanent Bank/Agency Loans: ~4.5%–6.0%
SBA / Government‑Backed Options: ~4.0%–7.0%
Bridge Loans: ~5.5%–9.0%
CMBS: ~5.0%–6.5%
Hard Money / Private Debt: ~8.0%–14.0% (depending on risk and term)
Important: These ranges reflect market averages — actual pricing will be determined at application and underwriting.