Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Portfolio Program
Bank Commercial Loans
Bank and portfolio commercial loans provide financing for retail, office, industrial, self-storage, warehouse and mixed-use properties. Bank programs add flexibility for commercial properties that do not fit CMBS or agency guidelines, including properties that need repairs, loans that require cross collateralization, and borrowers who want long-term amortization with no balloon. Compare today’s commercial mortgage rates.
Get a Free QuoteBank Commercial Loan Rates & Terms
| Loan Type | Rate* | Max LTV |
|---|---|---|
| 5 Year Fixed | 6.74% | Up to 25 years |
| 7 Year Fixed | 6.88% | Up to 25 years |
| 10 Year Fixed | 7.04% | Up to 25 years |
- Bank and portfolio programs for commercial property
- Loan amounts from $750,000 to $10,000,000+ nationwide
- Up to 75% LTV on purchases and refinances
- Flexible, relationship-based underwriting
- For retail, office, industrial, self-storage and mixed-use properties
- Long-term amortization with no balloon available
Rates last updated August 7, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
When a Bank Commercial Loan Fits
Bank and portfolio lenders finance a wide range of commercial property types, and they are often the right choice when a deal does not fit CMBS or agency guidelines. Bank commercial programs are a strong fit for:
- Retail, office, industrial, warehouse, self-storage and mixed-use properties
- Properties in need of repairs, maintenance or updating
- Loans that require cross collateralization with other properties
- Borrowers with existing banking relationships
- Borrowers who want long-term amortization with no balloon payment
Flexibility for Commercial Property
Bank portfolio lenders keep commercial loans on their own books, which gives them room to make exceptions on property condition, structure and borrower profile. When a commercial deal does not fit an agency or CMBS box, a bank program is often the answer. Loan amounts typically run from $750,000 to $10,000,000 and up, nationwide.
Get Expert Guidance on Your Bank Commercial Loan
With more than 30 years of experience and relationships across national, regional and community banks, we compare bank commercial pricing against credit unions, CMBS and life company execution. There are no upfront application or processing fees, and we issue written pre-approvals within 48 hours at no cost or obligation.
What Our Clients Say
“I spoke to several commercial lenders before finding Select Commercial. They got me a lower rate and their service was exceptional. If you need a multifamily loan, you need to talk to Stephen.”
Nathan B. · Philadelphia, PA“Select Commercial was very helpful with my multifamily mortgage. Stephen went over several options and we came up with the best lender to meet my needs. I got the funds and also lowered my payments.”
Gary M. · Portland, OR“I found selectcommercial.com and saw they specialized in apartment building loans. In the end, they were by far the best company I have used. Next time I know who to call first.”
Jerry T. · Long Island, NY“As a real estate attorney, I trust that Select Commercial will deliver apartment building loans and commercial mortgages in a timely manner. The rates and terms offered are excellent. I heartily recommend them.”
David S. · New York CityGet Your Bank Commercial Loan Quote
No cost, no obligation. Written answers within 48 hours on bank commercial loans from $750,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up