What are the current commercial property loan rates?

There are some excellent rates for commercial real estate loans these days. Depending on the property type, interest rates are as low as 5.99%, with an LTV (loan to value) ratio of up to 85% of the property’s appraised value. You may even qualify for up to 90% if you are the owner-user.

How much funding can I get with Private Capital Investors?

There is no limit. On average, our lenders can provide loans of up to $5,000,000. But if you have a bigger project, let us know and we’ll design a funding solution for you. Our network of private commercial real estate lenders can provide funding for loan amounts that range from $1,000,000 to $50,000,000 and more.

What is an Ideal Commercial Real Estate Loan Terms?

Flexible terms are available, from 3 to 10 years fixed, amortized upto 10 years.

What commercial property financing options do you offer?

We offer a wide range of financing options, including the following: Commercial Bridge Loans Stated Income Loans Commercial Hard Money Jumbo Hard Money

Will I qualify for a commercial real estate loan?

Commercial real estate loans are available for a wide range of commercial real estate investors—even for those with less than perfect credit. At Private Capital Investors, we understand that your situation is unique. We’re confident that we have a loan that can help you access the money you require quickly and straightforwardly. Contact us to tell us more about your project and find out what types of commercial real estate loans you may qualify for.

What are Private Commercial Lenders?

Individuals or businesses that offer finance outside of conventional banks are known as private lenders. Many investors choose them as their preferred private commercial real estate lenders Private Capital Investors because they provide flexible underwriting and quicker approvals.

How much down payment is required for commercial property?

The majority of lenders demand 20% to 30%, though this varies depending on risk and loan arrangement.

Is it better to go with a private lender or a bank?

A private commercial lender may be better if you need speed, flexible terms, or creative financing, while banks may offer lower rates but stricter requirements.

Commercial Real Estate Loan Programs

Being a direct commercial lender, we fund commercial properties from $2 million to $50 million and are able to provide approval within 24-48 hours.

Apply Now

940+

Loans

854+

Clients

$4.5B+

Funded Loans

Our Commercial Real Estate Loans Program unlocks rapid capital for acquisitions, construction, and refinancing.
We are experienced commercial real estate lenders, and our terms fits your project’s unique needs.

We offer competitive rates and streamlined underwriting mean you can close the deal quickly and stay ahead of market shifts.
From mid‑market deals to large expansions, we empower investors to maximize returns with confidence. Private Capital Investors prides itself on being able to provide the best commercial real estate loans for our borrowers.

Standard Loan Terms

1–3 year term
$2M–$50M loan sizes
Interest-only payments
Up to 85% LTV
Rates starting at 5.99%
No prepayment penalty
Closing within 2 weeks

Property Types

Office
Retail
Multi-family
Urban and rural land
Self-storage
Hospitality
Mixed-use
Industrial and manufacturing
Warehouses

Standard Closing Costs

Typically 2% to 4% of the loan amount
Includes origination, appraisal and underwriting, legal fees, and other bridge processing fees.

Standard Requirements

Application / initial intake
Bank statements
Borrowing entity docs + guarantor info
Purchase contract (if purchase)
Insurance documentation (policy/dec pages)
Lease agreements / rent roll (if applicable)

Our Commercial Property Financing Program Also Offers

Hard Money Loan

We’re direct hard money lenders, and we know how to finance your next commercial real estate deal. Being a direct commercial lender, we provide fast, flexible, and easy-to-get CRE loans.

Learn More

Commercial Bridge Financing

It can provide much-needed liquidity, and it can be a great option for investors who don’t have the time or resources to go through the traditional lending process.

Learn More

Stated Income Loan

We have created our stated income loan for commercial real estate investors who find it difficult to get traditional loans. As a direct private lender, we provide CRE loans with minimum documents.

Learn More

Our Recent Closings

Refinance 2800 Farm

Fergus County, MT | $8,700,000

Office/Industrial

Leander TX | $7,200,000

Light Industrial Warehouse

Dallas TX | $7,500,000

View All

skyscrapers-from-low-angle-view_1359-1000

Why Choose Private
Capital Investors?

We are direct commercial real estate lenders and help you get loans quickly and easily from a wide array of commercial real estate loan programs.

We are committed to helping all kinds of commercial property investors find the most suitable funding solution at the best rates.

Though we are based in Dallas, we work as a private commercial lender of CRE loan programs beyond Dallas and Houston. We serve clients nationwide, including Miami, Phoenix, Florida, and many more.

Our loans have



Rates as low as 5.99%



Nationwide Lending



24 – 48 Hours Approvals



Funding within 14 days



Stated Incomes, No Financials required



Excellent Customer Service



Common Sense Underwriting

When You Need CRE loan



Purchasing property

Buying a new office building, retail center, or industrial warehouse for business operation.



Expanding/Relocating

Acquiring larger space to accommodate business growth.



Renovation/Construction

Financing major improvements or building new, ground-up commercial structures.



Refinancing

Replacing an existing, higher-interest, or short-term loan with more favorable terms.



Purchasing income-generating properties

Like apartment buildings or self-storage units to lease out.

Why Choose a Private Lender vs. a Bank for a Commercial Property Loan?

Who are Commercial Loan Lenders?

Private commercial lenders use non-bank money to finance real estate deals. We are able to make faster lending decisions because we’re not bound by the same rules as traditional banks.

Why Choose Direct CRE Lenders For Your Investment?

We can approve and fund deals quickly, and we’re more flexible with underwriting — especially helpful for time-sensitive or unconventional investments.

Our Key Commercial Real Estate Loan Programs

How Private Capital Investors Serve Your Financial Goals?

We design the CRE loan programs based on your business plan and exit timeline. You are not forced into a loan structure that works against your plan.

How to Get Started with us?

Click here to tell us more about the property and the loan requirements. It’s that simple!

Areas We Serve



















Frequently Asked Questions

What is commercial real estate loan?

Commercial property held by private owners (not public markets), often financed with private capital rather than bank loans.

What credit score do you need for a commercial real estate loan?

Around 660 to 680 is the usual minimum if you’re applying for a CRE loan from a bank. Private lenders can be flexible.

What does the 2% rule mean in commercial real estate?

The monthly rent should equal about 2% rule of the purchase price.

What are commercial lending's 4Cs?

Character, capacity, capital, collateral.

Are CRE loans hard to get approved for?

They can be, because banks have strict boxes and slow approvals. As a private lender, we can move faster and underwrite around the asset and exit plan.