Nationwide commercial real estate lending gives investors and business owners access to flexible financing solutions that go far beyond traditional bank loans. If you are purchasing, refinancing, or pulling cash out of a commercial property, the structure of the loan matters just as much as the rate.

At North Star Mortgage Network, we specialize in nationwide commercial real estate lending for owner-occupied businesses, investors, and qualified foreign national borrowers. These programs are designed to support real-world transactions, complex properties, and growth-focused strategies.

If your deal does not fit a traditional bank box, this is where nationwide commercial lending becomes a powerful option.

What Is Nationwide Commercial Real Estate Lending?

Nationwide commercial real estate lending refers to non-bank and private lending solutions available across the United States. These programs focus on the strength of the property, the business plan, and future cash flow instead of rigid underwriting rules.

Unlike local banks, nationwide lenders offer:

  • Flexible underwriting
  • Larger loan amounts
  • Projection-based qualification
  • Broader property eligibility
  • Faster decision-making

These programs are commonly used for commercial purchases, refinances, and cash-out transactions nationwide.

Nationwide Commercial Real Estate Lending Loan Programs

SBA 504 Loans

SBA 504 loans are designed for owner-occupied commercial properties and long-term business expansion.

Key features include:

  • Total loan amounts from $200,000 up to $23,000,000
  • The SBA portion is capped at $5,000,000, with additional financing available to cover the remaining balance in qualifying cases
  • Up to 90% loan-to-value on eligible transactions
  • 30-year fixed-rate financing on the SBA portion
  • Minimum credit scores typically starting around 600
  • 51% owner-occupancy required

SBA 504 loans are ideal for manufacturing facilities, medical buildings, warehouses, owner-occupied offices, and other business-use properties.

Conventional Commercial Loans

Conventional nationwide commercial real estate lending options remain a strong fit for stabilized properties.

Program highlights include:

  • Minimum 20% owner occupancy
  • Credit scores typically in the 600–650 range, depending on the program
  • Loan-to-value up to 75%
  • Loan amounts up to $17,500,000
  • Projection-based underwriting available
  • Foreign national borrowers allowed on select programs

These loans work well for experienced operators and established properties.

Investor Commercial Loans

Investor-focused nationwide commercial real estate lending programs are built for cash-flow properties.

Typical features include:

  • Owner occupancy under 20%
  • Minimum 650 FICO for most programs
  • Up to 70% loan-to-value
  • Interest-only options available
  • Flexible prepayment structures
  • Loan amounts from $200,000 to $17,500,000

These programs emphasize asset performance rather than personal income.

Projection-Based Lending Explained

Projection-based lending allows borrowers to qualify using future income instead of historical tax returns or DSCR.

This approach is commonly used for:

  • Business expansions
  • Newly acquired properties
  • Properties undergoing renovation
  • Owner-user businesses not yet stabilized

Lenders typically rely on a 24-month pro forma, market data, and appraisal support to determine qualification.

This is a key advantage of nationwide commercial real estate lending.

Foreign National Commercial Real Estate Lending

Nationwide commercial real estate lending is also available for qualified foreign national borrowers.

Important guidelines include:

  • No U.S. FICO score required
  • A U.S. bank account may be needed to make loan payments, but it does not need to be with the lender and may be held at any bank
  • Financing is typically capped at 70% loan-to-value
  • Projection-based underwriting may be available
  • Owner-occupied and non-owner-occupied properties allowed

Foreign national borrowers generally do not qualify for SBA programs, but strong conventional and investor options are available nationwide.

Eligible Property Types

Nationwide commercial real estate lending supports a wide range of property types, including:

Office – Retail
Industrial – Warehouse
Manufacturing – Investment
Owner-Occupied – Non-Owner-Occupied
Hotels – Lodging
5+ Unit Multi-Family – SBA Eligible Properties
Medical – Healthcare
Auto Service – Car Wash
Self-Storage – Mobile Home Parks
RV Parks – Bed & Breakfast
Restaurants – Mixed-Use
Funeral Homes – Assisted Living
Animal Care – Pharmacy
Entertainment – Schools
Gyms – Salons
Convenience Stores – Clinics

If the property produces income or supports a business operation, there is likely a financing solution available.

Program Types Available

We offer nationwide commercial real estate lending solutions for:

  • Purchase transactions
  • Refinances
  • Cash-out refinances
  • Projection-based loans
  • Lite Doc programs
  • Bank Statement loans
  • Interest-only loans
  • SBA 504 financing

Each program is structured based on the property, borrower profile, and long-term goals.

No Tax Return Commercial Loan Options

Many nationwide commercial real estate lending programs do not require full tax returns.

Lite Doc Loans

Cash flow is based on the appraisal and market rent analysis.

Bank Statement Loans

Cash flow is calculated using 12 months of business bank statements.

These programs reduce documentation while maintaining strong underwriting standards.

Why Work With North Star Mortgage Network?

Nationwide commercial real estate lending requires experience, lender access, and correct structuring from the start.

At North Star Mortgage Network, we provide:

  • Nationwide non-bank lender access
  • Experience with complex property types
  • Projection-based underwriting expertise
  • Foreign national lending solutions
  • Clear communication and realistic expectations

We focus on structuring the deal correctly before it reaches underwriting.

Florida and Nationwide Commercial Lending Support

While we proudly serve Florida investors and business owners, our nationwide commercial real estate lending solutions extend across the United States.

Whether your property is in Florida or elsewhere, we can help structure the right financing.

Ready to Get Started?

If you are purchasing, refinancing, or expanding a commercial property, now is the time to explore nationwide commercial real estate lending options.

Contact North Star Mortgage Network to review your scenario and determine the best path forward.

Your best interest is our principal concern.

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