Planning to purchase, renovate, or refinance commercial property in Florida? Whether you’re scaling your operations or investing in income-producing real estate, the right financing isn’t just helpful—it’s essential. At EJN Financial, we specialize in commercial real estate loans Florida businesses can count on, offering speed, flexibility, and expert guidance every step of the way.
With more than 30 years of experience, we’ve helped entrepreneurs, investors, and business owners statewide secure customized funding solutions that align with their goals. Our process is fast, transparent, and designed to move at the pace of your business—not the pace of a bank.
What Is a Commercial Real Estate Loan and How Does It Work?
A commercial real estate loan is a specialized form of financing used to purchase, renovate, or refinance property intended for business or investment purposes. Unlike residential mortgages, these loans are structured to support income-generating assets and are typically issued by commercial real estate lenders in Florida who understand the nuances of the local market.
These loans are designed to help businesses grow through strategic property investments. Whether you’re acquiring a retail storefront, upgrading a medical office, or expanding a multifamily portfolio, the right loan can unlock long-term value.
Here are the key features:
- Loan Purpose: Funding for acquisition, renovation, or refinancing of commercial-use properties.
- Property Types: Includes office buildings, retail spaces, warehouses, multifamily units, and healthcare facilities.
- Loan Terms: Usually range from 5 to 25 years, with amortization schedules that may include balloon payments.
- Interest Rates: Can be fixed or variable, depending on credit profile, property type, and market conditions.
- Collateral: The property itself serves as security; additional guarantees may be required based on risk.
At EJN Financial, we offer a full suite of commercial real estate financing options—from short-term fix & flip loans to long-term rental and multifamily solutions. Each product is designed to support your investment strategy and help you maximize returns with confidence.
How to Qualify for a Commercial Real Estate Loan in Florida
Qualifying for commercial real estate loans Florida businesses can use to grow and invest starts with preparation—and choosing the right lending partner. At EJN Financial, we make the process clear, efficient, and tailored to your goals. From your initial application to final approval, our team is here to guide you every step of the way.
Here’s what we evaluate when reviewing your loan request:
- Credit Profile Both business and personal credit scores play a role. While a score above 680 is preferred, we work with a wide range of credit situations and offer strategic guidance to help improve your financial standing.
- Business Financials We assess your income statements, balance sheets, and cash flow history. A strong debt-to-income ratio and consistent revenue signal your ability to repay and manage the loan responsibly.
- Property Details Appraisals, zoning compliance, and projected income are essential. We help you gather the right documentation and present a compelling case to lenders.
- Down Payment or Equity Most commercial lenders in Florida require 10–30% down. We offer flexible structuring options, including leveraging equity from other assets or using private capital to meet requirements.
- Clear Use of Funds Whether you’re acquiring, renovating, or refinancing, lenders want to understand your strategy. We help you define your plan and match it with the most suitable loan product.
Our streamlined application process allows you to prequalify online in just minutes. Once submitted, our underwriting team reviews your file and reaches out with customized funding options—so you can move forward with confidence.
Are Commercial Real Estate Loans Hard to Get?
They can be—especially if you’re relying on traditional banks. Lengthy approval timelines, rigid qualification standards, and limited flexibility often delay or derail promising deals. That’s why more Florida businesses are turning to commercial lenders in Florida who prioritize speed, transparency, and adaptability.
At EJN Financial, we’ve redefined the lending experience to make it faster, simpler, and more aligned with your goals. Here’s how we make it easier:
- Fast Prequalification Submit your application and get matched with funding options in days—not weeks.
- Flexible Credit Requirements We work with startups, growing businesses, and seasoned investors. If your credit isn’t perfect, we’ll help you find a path forward.
- Tailored Loan Structures Whether you need short-term rehab funding or long-term rental financing, we customize terms to fit your strategy.
- Local Market Expertise We understand Florida’s real estate dynamics and help you navigate zoning, valuation, and investment planning with confidence.
We believe funding should be a launchpad—not a roadblock. That’s why we deliver commercial real estate loans Florida businesses can actually use to grow, scale, and succeed—without the delays or limitations of conventional lending.
Can I Get an SBA Loan for Commercial Real Estate?
Absolutely. SBA loans are one of the most effective financing tools available to small businesses looking to purchase or refinance commercial property. Backed by the U.S. Small Business Administration, these loans offer competitive interest rates, extended repayment terms, and lower down payment requirements—making them especially attractive for owner-occupied properties.
At EJN Financial, we help Florida businesses access two of the most impactful SBA loan programs:
- SBA 7(a) Loan Ideal for purchasing or refinancing owner-occupied commercial real estate. This program offers up to $5 million in funding with flexible use of proceeds.
- SBA 504 Loan Designed for long-term, fixed-asset purchases such as buildings or large equipment. Requires as little as 10% down and provides fixed-rate financing with terms up to 25 years.
We manage the entire process—from documentation to lender coordination—working directly with SBA-approved commercial lenders in Florida. Our goal is to make SBA funding accessible, efficient, and perfectly aligned with your business objectives.
Let’s Talk About Your Commercial Real Estate Loans Florida Strategy
If you’re ready to secure capital for your next property investment, EJN Financial is ready to help you move forward. Whether you’re purchasing your first commercial space or expanding a growing portfolio, we provide the expertise and efficiency Florida businesses need to succeed.
We specialize in commercial real estate loans Florida entrepreneurs can trust—delivered with speed, flexibility, and personalized guidance. From prequalification to funding, our process is designed to support your goals and eliminate the delays of traditional lending.
As one of the leading commercial real estate lenders in Florida, we’re committed to helping you unlock opportunity, build long-term value, and grow with confidence. Let’s talk about your vision and explore how we can support it with the right financial strategy.
Contact EJN Financial today to:
- Prequalify online in minutes
- Schedule a consultation with our experts
- Get approved and funded fast
Your financial success starts with a conversation. Let’s build something great—together.
EJN Financial | Fast. Flexible. Focused on You.
