Commercial Real Estate Loans Built for Business Growth
Looking to purchase, refinance, or renovate commercial property? Iron Oak Payments offers commercial real estate loans tailored to business owners and investors across a wide range of industries. With flexible terms, high loan-to-value options, and funding up to $50 million, we help you move quickly on the properties that move your business forward.
Program Snapshot
Loan Amounts
$200K – $50M
Loan Term
1 – 30 years (fixed and interest-only options available)
Loan to value
Up to 80%
Interest Rates
Competitive market rates!
Funding Timeline
Can close in as little as 2–3 weeks
Why Choose Iron Oak Payments for CRE Loans?
Funding for Investors or Owner-Occupiers
We finance retail, office, industrial, warehouse, mixed-use, and more — whether you're using it or leasing it.
No DSCR?
No Problem.
We offer no-DSCR options for smaller loan amounts, especially under $750K.
Flexible Credit Requirements
We work with borrowers as low as 600 FICO — and can consider complex financials or unique deal structures.
Foreign Nationals & High-Risk Industries Welcome
We support deals others avoid, including cannabis-related properties and borrowers without U.S. citizenship.
Blanket Loans Available
Need to cross-collateralize or create a portfolio loan? We can do that, too.
Use Cases for Commercial Real Estate Loans
- Property purchases
- Fix & flips
- Refinance or debt consolidation
- Ground-up construction
- Real estate lines of credit
- Hotel, condo, and mixed-use projects
- Quick closings on distressed or vacant properties
- Chapter 11 exits
- And more…
Eligible Property Types
- Residential investment properties
- Commercial and industrial buildings
- Multifamily units
- Condominiums and hotels
- Office space
- Vacant land and mixed-use
- Single-tenant and multi-tenant spaces
Documents You’ll Need to Apply
Basic commercial real estate application & questionnaire
Personal financial statement (for all 20%+ owners)
Rent roll and income/expense sheet (for investment properties)
Appraisal (or broker opinion of value, if available)
Purchase contract or payoff statement (if refinancing)
Valid government-issued ID
Entity docs (LLC, S-corp, etc.)
Ready To Go? Apply Now!
What Do You Qualify For?
We’ll evaluate your business, property, and goals to match you with the best commercial loan structure — no pressure, and no hard credit pull to get started.
Minimum Requirements:
- Property must be in the U.S.
- No open bankruptcies
- No recent commercial defaults
Let’s Get You Funded
Our friendly team would love to hear from you.
