Commercial Cash-Out
Refinance
Unlock equity from income-producing commercial properties
A commercial cash-out refinance allows property owners to access equity built into a qualified property, restructure existing debt, or support growth initiatives. Financing options may be available for properties generating income such as industrial, retail, hospitality, office, and mixed-use assets.
Get Your Refinance QuoteProperty Types We Refinance
Specialized financing for diverse commercial assets
Industrial
Warehouses, distribution centers, and manufacturing facilities
Mixed-Use
Retail + residential or office + retail combinations
Hotels
Hospitality properties of all classes and operational models
Retail
Retail assets with stable tenant demand and revenue potential
Why Consider a Cash-Out Refinance?
Cash-out refinancing can support strategic financial objectives for qualified property owners.
Access Property Equity
Convert a portion of your existing equity into capital without selling the property.
Potential Rate or Term Improvements
Subject to qualification and market conditions, refinancing may offer terms that better align with current goals.
Debt Consolidation Options
Combine eligible debts into a single commercial loan to simplify payments and improve balance sheet efficiency.
Capital for Growth
Use proceeds for property improvements, acquisitions, business expansion, or portfolio scaling, depending on lender approval.
Ideal Use Scenarios
Common situations where a cash-out refinance may be considered:
You own a profitable industrial warehouse and want to acquire additional properties
Expanding a real estate portfolio
Grow your portfolio without depleting working capital or bringing in partners
The Refinancing Process
Four streamlined steps to unlock your equity
Property Evaluation
Assessment of property value, current loan terms, and available equity.
Financial Review
Examination of income, financial statements, credit history, and debt service coverage.
Loan Structuring
Proposed loan terms are developed based on property performance, borrower objectives, and market conditions.
Closing and Funding
Upon completion of documentation and approvals, existing loans may be paid off and proceeds disbursed.
Common Questions
Everything you need to know about cash-out refinancing
You may be able to access up to 75% of your property appraised value, minus any existing debt. The exact amount depends on property performance, valuation, and underwriting. Example: If a property appraises at $2M and has an $800K loan balance, the refinance could support up to $1.5M (75% LTV), leaving potential cash available after paying off the current loan.
Commercial cash-out refinance rates vary based on market conditions, property type, borrower profile, and loan structure. Rates may range from approximately 6% to 10% depending on these factors. Fixed and adjustable-rate options with terms from 5–30 years may be available. We compare multiple lending options to help secure competitive terms.
Most commercial refinances take 45–90 days from application to funding. Timelines depend on appraisal schedules, required documentation, third-party reports, and lender review. We focus on maintaining an efficient process while meeting all due-diligence requirements.
Yes, it may be possible. Properties with stable income and strong occupancy generally qualify for the most favorable terms. Properties under renovation or with lower occupancy can still be considered, though they may receive different loan-to-value ratios or pricing. Each request is evaluated individually based on property performance and exit strategy.
Cash-out proceeds can typically be used for most business or investment purposes, including property improvements, acquisitions, expansion, debt consolidation, equipment purchases, or working capital. Use-of-funds guidelines vary by lender, and we help confirm eligibility during the underwriting process.
Ready to Access Your Equity?
Unlock the value in your commercial property with cash-out refinancing. Lower rates, better terms, and capital for growth—all in one solution.
Start Your Refinance Today