Commercial

Commercial Financing

Financing Solutions for Businesses and Investors.

Reviewed by Tathiana Moreno, NMLS #1684574 · Last updated September 2026

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Minimum Credit Score
650+ (varies by program)
Minimum Down Payment
20–30% typical
Ideal For
Business owners, investors, developers

What is commercial financing?

Dream Team Mortgage connects businesses and investors with commercial financing for office buildings, retail spaces, multi-family properties, warehouses, and mixed-use developments. We work with a wide network of commercial lenders to find the right fit.

Commercial financing covers a much broader range of property types and loan structures than residential lending, and terms vary significantly by lender, property type, and borrower profile. Dream Team Mortgage works as a broker across a network of commercial lenders rather than underwriting in-house, which means we can shop your deal to find financing terms that fit your specific project, whether that's a straightforward office purchase or a more complex mixed-use development. Because every commercial deal is underwritten individually rather than against a standardized rulebook like a residential loan, the strength of your business plan, pro forma, and property condition report often matters as much as your personal credit profile.

Who It's For

Commercial financing is for business owners, real estate investors, and developers looking to purchase, refinance, or develop commercial real estate in Florida and beyond. First-time commercial buyers purchasing their own business's building, established investors adding to a multi-family portfolio, and developers financing ground-up construction all work with Dream Team Mortgage's commercial lending network.

Key Benefits

  • Access to multiple commercial lenders
  • Loan amounts from $500K to $10M+
  • Fixed and adjustable rate options
  • SBA loan assistance available
  • Mixed-use and multi-family eligible
  • Experienced guidance through complex transactions

What You'll Need

  • Business financials (2–3 years)
  • Personal financial statement
  • Property details and pro forma
  • 20–30% down payment
  • DSCR typically 1.25 or higher
  • Personal guarantee often required

Commercial Financing in Florida for 2026

Southwest Florida's population growth has driven steady demand for commercial real estate, from retail and office space in Cape Coral and Fort Myers to multi-family and mixed-use development throughout Lee County. Commercial loans are underwritten primarily on the property's Debt Service Coverage Ratio (DSCR), typically requiring the property to generate at least 25% more income than its debt obligations (a DSCR of 1.25 or higher), rather than solely on the borrower's personal income. For business owners who qualify, SBA 7(a) and 504 programs can reduce the down payment requirement below the typical 20–30% conventional commercial threshold. Lenders financing Florida commercial real estate also weigh flood zone designation and windstorm insurance costs heavily in their underwriting, since both can materially affect a property's operating expenses and, in turn, its DSCR; Tathiana factors these Florida-specific costs into your financing strategy from the start.

Frequently Asked Questions

Office, retail, industrial, warehouse, mixed-use, apartment buildings (5+ units), and more.

Debt Service Coverage Ratio (DSCR) measures a property's income vs. its debt obligations. Lenders typically require a DSCR of 1.25, meaning the property generates 25% more income than it costs to service the debt.

Yes, we can connect you with SBA 7(a) and SBA 504 financing options for eligible business purposes.

Commercial transactions typically take 30–60 days due to the complexity of underwriting. Rush closings may be possible with hard money bridges.

Most commercial lenders require a personal guarantee from the principal owners, especially for smaller transactions.

SBA 504 loans are designed specifically for purchasing real estate or major equipment, often with a lower down payment. SBA 7(a) loans are more flexible and can cover real estate, working capital, or business acquisition.

Yes, mixed-use properties are a common commercial financing scenario in Southwest Florida, and we work with lenders who specialize in exactly this property type.

Yes, owner-occupied commercial financing, where your own business uses at least 51% of the space, often qualifies for more favorable SBA terms than a pure investment property.

Properties in higher-risk flood zones typically require flood insurance, which raises operating expenses and can affect your DSCR calculation. Lenders factor this in during underwriting, so it's worth confirming a property's flood zone before you make an offer.

Most commercial loans finance 70–80% of the purchase price, meaning a 20–30% down payment, though SBA programs can sometimes reduce that requirement for owner-occupied properties.

Ready to Get Started?

Contact Tathiana today for a free, no-obligation consultation. She'll review your situation and tell you exactly what you qualify for.

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