Fast & Easy Loans for Offices
Office Commercial Loans
Adaptive reuse is driving a large share of the office commercial loans we are funding here at Private Capital Investors.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Loan Features & Parameters
Office Loans
We are likewise actively funding office investments in cities like Dallas, Phoenix, Austin, Raleigh, and Nashville, where tech hubs are bringing in population growth and tenant demand.
Also high on our list are suburban office buildings, especially those that are occupied by individual businesses that don’t relocate often.
Loan Amount: $2 Million to $50 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
Industrial Property Acquisition
Honolulu, Hawaii | $1,875,000
Multifamily Portfolio Refinance
Brimingham, AL | $19,100,000
Multifamily Major Rehab Building
Westwego, Louisiana | $21,000,000
Office Properties we Fund
Office Property Types That Can Be Financed
We understand that your income as an office building owner depends on factors like occupancy rates and rental rates. As such, we structure your loan based on your management experience and your property’s financial performance.
We will typically evaluate your location and revenue performance, as well as your occupancy rates and tenant quality, before approving financing.
Single-tenant office buildings – Qualify for financing based on lease length and tenant strength, or income stability.
Multi-tenant office buildings – Financing depends on occupancy levels and tenant mix, as well as the consistency of your rental income.
Suburban office parks – We evaluate these properties based on demand, location, and long-term tenant retention.
Downtown office towers – Get approved for a loan depending on occupancy rates and location, or even building quality.
Medical office buildings – Stable tenants and long-term use make these attractive for financing.
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Retail Loans
Gas Station Loans
Dental Clinic Loans
Marina Loans
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
CRE Loan Programs for Office Investors
Permanent Financing
Get financing for stabilized office buildings with consistent occupancy and long-term lease income.
Hard Money Loans
We offer these loans to help you with acquisitions and repositioning projects. We finance office properties that need improvements
Commercial Bridge loans
We can help cover short-term needs while you lease or renovate, or even refinance your property.
Stated Income Loans
Get an easy low document loan when you qualify based on property income instead of tax returns.
Trusted CRE Loan Lender
Why Choose Private
Capital Investors?
We finance a wide range of office property sub-classes
- Low-rise buildings under seven stories
- Mid-rise buildings between seven and twenty-five stories
- High-rise buildings over twenty-five stories
You can finance office properties in both downtown cores and suburban locations.
Stable rental income potential if tenants are reliable.
Long-term lease agreements create income stability.
Opportunities for property value growth with the right location
Sustained demand for professional workspace in business districts
We also finance medical office buildings, which tend to maintain stable occupancy due to consistent demand from healthcare providers.
Frequently Asked Questions
What is the minimum occupancy required for a permanent loan?
It depends on how the property is used:
- Owner-occupied properties (existing buildings): Your business must occupy at least 51% of the space
- Owner-occupied new construction: At least 60% occupancy by your business once completed
- Investment properties (tenant-occupied): The building typically needs to be 85%–95% leased to qualify for long-term financing
What types of office properties qualify for financing?
We finance a wide range of office properties from low-rise and mid-rise to high-rise, as well as offices in CBDs or on the outskirts of a city. We also offer financing for medical office spaces.
What factors do lenders consider for office building loans?
Lenders usually focus on your property’s ability to generate steady income. They review everything from occupancy levels and tenant lease strength to DSCR and LTV. They may also consider your ownership experience business plan for the property.
What documents are required?
You will need to provide bank statements, borrowing entity documents, and guarantor information. If you are purchasing a property, you should also provide the purchase contract. Lease agreements or a rent roll may also be required, if applicable.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6205
Email:
info@privatecapitalinvestors.com