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Office building financing provides investors and property owners with capital solutions to acquire, refinance, or improve commercial office properties for long-term growth and income.
Work with the top commercial mortgage broker in the industry, offering highly competitive office building financing and other commercial real estate solutions for all income-producing assets nationwide. Whether you are looking to acquire, improve, cash out, or refinance, our lenders will provide the most competitive rates and terms for office building financing.
Financing an office building doesn’t have to be a stressful process. With Clopton Capital, you can access office building financing that allows everything from refinancing an existing facility to funding the construction of a new office from scratch.
Office building financing may seem complex, but with support from Clopton and our nationwide network of mortgage lenders across the USA, we’ll help you secure land and buildings, prime facilities, and the right real estate loans on both the primary and secondary market. Access the right terms and conditions, prime investors, and fund your office building financing quickly to get capital when you need it.
Purchase an office building for business or rental income.
Refinance existing commercial debt to lower interest costs.
Fund renovations or upgrades to increase property value.
Consolidate commercial loans or other business-related debt.
Invest in a property with higher returns than cash or other investments.
Commercial mortgage lenders offer a variety of loan products tailored for office buildings, helping you acquire, refinance, or improve your property efficiently.
There are typically two types of loans when it comes to commercial office buildings. You can either take out a commercial mortgage or purchase the building using private financing in the form of cash. Here are some of the commercial office building financing loans we provide.
A mortgage loan is a type of secured loan where the property acts as collateral. In order to get a mortgage loan, you will need to have a down payment and your credit score will need to be in good standing. The terms for a mortgage loan can range from 5 – 30 years, depending on the lender.
A refinance loan is a type of commercial mortgage which aims to replace an existing first mortgage with a new one. The reason for refinancing can be to lower monthly payments, shorten the term of the loan but keep the same interest rate, and reduce closing costs.
This type of commercial mortgage allows the business owner to borrow more money than what they currently owe on the property. The cash is then used for other business purposes such as expanding or renovating. To qualify for a cash-out refinance, you will need to have a good credit score and show that your company is profitable.
When you need money fast for a business purpose, but can’t get a commercial mortgage because it is too soon, you may consider a bridge loan. These types of loans usually range from 1 – 3 years and have higher interest rates than traditional mortgages. However, the terms will vary depending on the lender that you choose.
When you are ready to acquire an office building, the process typically goes like this:
Clopton (https://cloptoncapital.com) is a national commercial mortgage broker in the business of matching borrowers involved in multifamily, industrial, commercial, and mixed-use real estate to lenders suited to their needs for asset-backed funding. Needs invariably include purchasing, refinancing, or rehabbing a property. Irrespective of your direction, our commercial mortgage loan officers will connect you to the best commercial loans at the most competitive rates and easiest terms available. We work every day with private investors, small/middle market real estate entities, and family offices everywhere in the US investing through partnerships, trusts, corporations, LLCs, Delaware Corporations, estates, and even as foreign nationals.
Here are some of the top benefits of working with Clopton.
We offer terms of up to 25 years on our fixed rate loans. This means that your monthly payments will stay the same for the entire term of the loan.
A borrower structured in an LLC wanted to purchase an office building in Fort Lauderdale for $9.5 million that was part of an association with 3 other buildings. The borrower planned to use 3rd party management on a non-owner occupied basis, thus buying the building purely as an investment. We structured a 75% loan-to-value non-recourse loan (i.e. a 25% down payment), with a 10-year very competitive rate, 2 years of interest only on the front-end that transitions to a 30-year amortization in year-3. Our client was satisfied with this arrangement as a way to maximize its cash flow and ROI on the investment with the added benefit of zero personal recourse.
A borrower in a partnership structure was facing a loan maturing with a balloon payment attached to an apartment building in KY. The investor wanted to contain closing costs and was uncertain what to do with the property. Its goal was a mortgage with a fixed rate but did not want any prepayment on the loan in case the partners decided to sell and repay their debt. We found a lender on our exclusive long-term relationship list able to arrange a commercial mortgage with a 5-year fixed rate, 25-year amortization that did not have any prepayment at all starting on day-1. This way our client was protected against rate increases for 5 years with enough latitude over that time-period to figure out if it wanted to sell or keep the property.
A corporation borrower with a portfolio of retail centers in Indiana approached us to refinance and cash out on all of the properties. The properties were located across western Indiana and were comprised mainly of grocery-anchored shopping centers. We induced one of our mainstay lenders to structure a portfolio mortgage for $16.5 million across all the properties, that transferred over $6 million into the borrowers pocket, maintained a very competitive 10 year fixed rate and settled on a 30-year amortization, non-recourse.
Access tailored commercial loan options to acquire, refinance, or upgrade office properties with flexible terms nationwide. Contact Us – 866-647-1650
There are a few different ways to get an office buildings loan. You can get a traditional mortgage from a bank, or you can get a loan from a private lender. You can also use a combination of the two loans.
Typically, office building loans are for five to ten years. However, they can be for up to thirty years or more.
Chicago based Clopton Capital is a national commercial mortgage broker dedicated to matching borrowers interested in multifamily, industrial, commercial, & mixed-use real estate to lenders aligned exactly with their needs for asset-backed funding.
Commercial Insurance Products are offered through Clopton Insurance Services, LLC.
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