Commercial Real Estate Loans
Whether you're looking to move your business out of the basement into a bigger facility or making a business investment in some property, CNB can make it happen. We offer competitive interest rates and flexible terms, as well as friendly service within a professional atmosphere. Get the same benefits as a national institution but with the added personal touch of small-town service.
- Summary
- Competitive rates
- Various financing options
- Affordable payments
- Complete personal service
- Experienced loan advisors
- Local management & underwriting
- Subject to credit approval
Commercial real estate loans include:
- Owner Occupied Real Estate Loans
- Income Producing Real Estate (including shopping centers, office buildings, industrial buildings, etc)
- New and Interim Construction Loans
Make sure you're prepared from the moment you walk in the bank door. Get tips on preparing your loan proposal by clicking on the tab above.
- Loan Proposals
A commercial real estate loan is unique from other types of loans made to businesses, as they are intended to secure rental properties or other business-related properties. While many Bellaire banks offer commercial real estate loans, not every business applicant will be approved for a loan. If you want the best chance for approval, you will likely need to begin working on a real estate proposal.
To improve your chances of loan approval, make sure to adhere to the following principles:
- Have a clear business plan. When seeking any type of funding, you will do best when you walk into the meeting with a concise, well-structured business plan. You need to have a clear idea of when you anticipate project completion, as well as all of the important financial and operating data. If you can demonstrate why the property makes sense fiscally, you are more likely to obtain the loan you desire.
- Have some cash on hand. Commercial lenders want to see that real estate loan applicants are willing to invest some of their own money in their proposed projects; so make sure that you can document your own financial commitment to the real estate venture.
- Keep an eye on your business' balance sheet. You need to carefully analyze your cash flow in regards to your liabilities prior to taking out any loan. It is important to make sure that you will have enough cash to run the property while you are paying off the loan.
