Commercial Real Estate Loan Details 

Small business lending process can be challenging. Your business needs the right partner. Fidelity Bank offers you extensive experience in small business financing and focuses on building long-term relationships. We provide expert guidance and local decision-making to help your business thrive.

• Competitive fixed and adjustable rates for the purchase, refinance, or construction of commercial properties
• Terms up to XX
• Repayment terms customized to fit your business's unique needs
• Supporting your business growth as an experienced SBA lender
• Lending professionals with working knowledge of the local real estate market
• Local decision-making and processing
• Delivering attentive, friendly service through the entire loan process

Commercial Real Estate Loan Uses 

A business can use a commercial real estate loan for various types of properties, including:

• Office Buildings: Properties used for business operations, including multi-tenant office buildings and single-tenant facilities.
• Retail Spaces: Properties for retail businesses, including shopping centers, strip malls, and standalone stores.
• Industrial Warehouses: Facilities used for manufacturing, storage, or distribution purposes, including warehouses and factories.
• Multifamily Residential Buildings: Apartment complexes and other residential properties with multiple rental units.
• Hospitality Properties: Hotels, motels, and other lodging establishments.
• Medical Facilities: Properties such as clinics, dental offices, and medical or veterinary practices.
• Mixed-Use Properties: Buildings or developments combining commercial, retail, and residential spaces in one location.
• Land: Undeveloped or vacant land for future development, investment, or business expansion.
• Special Purpose Properties: Properties designed for specific uses, such as gas stations, car washes, or self-storage facilities.
• Manufacturing Facilities: Properties dedicated to the production of goods, including factories and production plants.
• Distribution Centers: Facilities used for the distribution and logistics of products, including shipping and receiving hubs.
• Restaurants: Properties specifically designed or adapted for food service operations.
• Recreational Properties: Facilities such as gyms, sports complexes, or entertainment venues.
• Agricultural Properties: Farms, ranches, or other properties used for agricultural purposes.
• Franchise Locations: Properties used for franchise businesses, including fast-food restaurants and retail outlets.

What Is a Commercial Real Estate Loan?

A commercial real estate (CRE) loan is a financing designed for buying, expanding, or renovating commercial properties. Commercial real estate loans are for business owners and investors. These loans typically involve larger amounts of money. They also have shorter repayment terms compared to residential loans.

Commercial real estate financing is instrumental in a company’s footprint. Businesses can generate rental income or increase operational efficiency by securing a prime location.

Fidelity Bank Benefits for Your Commercial Real Estate Loan

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Fixed and Adjustable Rates

A fixed rate maintains the same interest percentage throughout the life of the loan, which is best for stability and predictability in monthly payments. In contrast, an adjustable rate can change periodically based on market conditions, potentially providing short-term savings but carrying the risk of increasing costs over time.

Both these commercial real estate loans rates are available for small businesses.

Customized Repayment Terms

A commercial real estate financer can tailor repayment terms to fit your business’s unique needs, ensuring that you have a manageable and flexible payment plan.

Small Business Administration (SBA) Financing

For many small businesses, Small Business Administration or SBA financing is an excellent opportunity to secure funding for commercial real estate purchases. Private-sector lenders partially guarantee SBA loans, which means they have several options and advantages.

SBA 504 Loan

The SBA 504 loan is ideal for commercial property loans of $350,000 and above, offering a lower interest rate, potentially larger loan amounts, and fixed loan rates. This loan is for financing fixed assets, ensuring that funds are used solely for their purpose.

• Acquisition of land or buildings
• Refinancing existing loans tied to eligible commercial real estate
• Refinancing construction, renovation, or refurbishment
• Leasehold acquisition or improvements
• Purchasing equipment, machinery, and other long-term tangible items

SBA 7(a) and SBA Express Programs

These loans provide lower down payments and longer financing terms, and businesses can use them for the following:

• Real estate and building acquisitions, refinancing, or improvements
• Short- and long-term working capital
• Current business debt refinancing
• Machinery and equipment purchasing and installation
• Furniture, fixtures, and supply purchasing
• Partial or complete ownership changes
• Multiple purpose loans

More on SBA Loans

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Commercial Real Estate Loan Benefits and Features 

Small business lending opportunities are everywhere, but the process can be extra challenging without the right partner. Fidelity Bank proudly provides commercial real estate loans to Louisiana business owners with the following features.

Competitive Rates

Our commercial real estate financing options have competitive rates. Please note that all loan programs and terms are subject to change without notice, and all financing is subject to credit approval.

Flexible Repayment Options

Our repayment plans are flexible because we aim to support the unique financial situations of our clients.

Local Expertise

Our lending professionals possess in-depth knowledge of the local real estate market. Trust us to provide you with valuable insights and guidance.

Quick Decisions and Local Processing

Our streamlined approval process means you can get the funding you need quickly. Seize opportunities without delay!

Personalized Service

Fidelity Bank’s team guarantees attentive, friendly service from start to finish. With us, you can expect a smooth and successful loan experience.

Buy, Refinance, or Use Your Equity 

Fidelity Bank provides loans for small businesses to help you buy or refinance real estate. You can also use your property's equity to achieve your financial goals. Take the first step toward securing your business’ future today.