Conventional Financing
Bank Term Loans
Term Loans for CRE
When stability meets strategy, bank term loans remain one of the most effective ways to finance commercial real estate.
Whether you’re acquiring, refinancing, or recapitalizing an existing asset, our relationships with national, regional, and community banks allow us to match you with lenders who understand your market, your asset type, and your objectives.
- Acquisition or Refinance
- Investment Properties
- Owner Occupied CRE
- Flexible Loan Structures
Key Benefits of Bank Term Loans
Competitive Rates – Especially for strong borrowers with stabilized properties
Amortization Options – Tailored amortization and prepayment options
Flexible Loan Structures – Fixed or adjustable rates, interest-only options in some cases
Relationship Banking – The advantage of working with a lender who knows your market
Wide Applicability – Works for office, retail, industrial, multifamily, and specialized use properties
Typical Use Cases
Acquisition Financing – Purchase stabilized or income-producing CRE assets
Refinancing – Replace higher-cost debt with lower-rate, longer-term bank financing
Equity Recapture – Unlock built-up equity for new investments
Owner-Occupied Expansion – Finance a new building or expansion for your business
Portfolio Stabilization – Restructure debt to improve cash flow and long-term positioning
Eligible Property Types
We arrange bank term loans for virtually all commercial real estate asset classes, including:
Multifamily
Office
Industrial & warehouse
Retail & shopping centers
Mixed-use properties
Owner-occupied commercial buildings
Why Work With INSIGNIA Financial Services?
Navigating the bank lending landscape requires market insight, strong lender relationships, and strategic deal structuring. At INSIGNIA, we:
Leverage a network of local, regional, and national lenders
Position your transaction for fast credit committee approvals
Optimize loan terms to align with your business plan
Coordinate seamlessly from application through closing
What is a Bank Term Loan for commercial real estate?
A bank term loan for commercial real estate is a fixed- or variable-rate loan issued by a bank, credit union, or similar financial institution to finance the acquisition, refinance, or improvement of income-producing property.
These loans typically feature:
Loan terms from 5 to 25 years
Amortization schedules up to 25–30 years
Fixed or floating interest rates
Recourse or non-recourse structures, depending on lender and deal profile
Related Resource: Learn how SBA loans compare to bank term loans.
Why Our Clients Choose Us
Our dynamic team of highly skilled lending professionals are focused on delivering favorable outcomes, superior service, and fostering long-term relationships with clients.
Performance
We are client-centric and performance driven dealmakers. Your success is our success.
Specialization
We're seasoned lending professionals with thousands of loans funded.
Transparency
We provide a transparent engagement, diligence and closing process.
Certainty
Capitalize on more opportunities with greater certainty of execution.
Start Your Loan Request
Whether you are refinancing a stabilized asset or acquiring a new investment, our team can structure and secure the right bank term loan for your property.
📞 Call us at 847-276-3670
Bank Term Loans for Commercial Real Estate: FAQs
What is a bank term loan for commercial real estate?
Who qualifies for a bank term loan?
Which property types are eligible?
What terms and structures are common?
How do bank term loans compare to SBA 504 or 7(a)?
How do bank term loans compare to CMBS loans?
What are typical prepayment penalties?
What is the timeline to close?
What documents are required?
Can I recapture equity on a refinance?
Contact Us
The team at IMPACT Commercial Real Estate Capital is available to discuss your financing objectives and answer any questions you may have.
Send us a secure message using the form below.