Features of our Commercial R/E Financing:
- Owner-occupied commercial real estate
- Purchase or refinancing existing commercial real estate debt
- Competitive interest rates
- Up to 90% loan to value
- No balloon payments
- No burdensome loan covenants
In order to qualify, borrowers must:
- Have at least two years of operational history. We do not fund start-ups.
- Operate for profit. Non-profit organizations do not qualify.
- Be located within our lending footprint.
- Not be delinquent on any existing debt.
- Be creditworthy and can reasonably assure repayment of the loan.
- Demonstrate a historical debt service coverage ratio of 1.2 times.
What we bring to the table:
- Local decision making
- Loan approval within 1 to 2 weeks of receipt of necessary documentation
- Quick turnaround
- Lenders who understand the market and can help tailor a solution based on your unique needs
- Friendly, professional service with the idea of building a lasting banking relationship
- No deposit relationship required
What types of real estate are a good fit for the Bank of Edison’s Commercial Real Estate Loan Products?
Industrial flex properties:
These versatile spaces—combining office, warehouse, and light manufacturing uses—offer small business owners the flexibility to grow and adapt under one roof. Whether you’re expanding operations, managing inventory, or streamlining logistics, owning an industrial flex property provides long-term stability and cost control. With financing available up to 90% of the purchase price and longer repayment terms, business owners can preserve working capital while investing in a property that supports both current operations and future growth.
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Auto Repair Shops:
Auto mechanics require specialized space, equipment, and long-term stability—making property ownership a smart move. Whether you’re looking to purchase your first location or expand to a second shop, a Bank of Edison commercial real estate loan offers up to 90% financing with flexible terms designed with you in mind.
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Medical and Dental Offices:
Whether you’re launching a new practice or expanding an existing one, owning your office space offers long-term financial and operational benefits. We can help qualified physicians and dentists to finance up to 90% of the purchase price—freeing up capital for equipment, staffing, and patient experience enhancements. With predictable costs, the ability to customize your space, and the opportunity to build equity over time, practice ownership becomes a strategic investment in both your business and your future.
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Hotels:
Your hotel isn’t just a building – it’s a stage for unforgettable stays and lasting impressions. We offer low down payment financing with competitive rates and no balloon payment to experienced, qualified hotel owners. Find out how you can acquire, renovate or refinance an existing property with confidence, knowing you have a lender that understands the hospitality business, as well as the challenges you face, and who offers a tailored solution designed to fit your specific needs.
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Self-Storage Buildings:
Self-storage continues to be a strong, resilient business model, and owning your own facility can prove to be a smart long-term investment. We can help make it easier for you to access affordable financing with lower down payments, longer repayment terms and no cumbersome loan covenants. Whether you’re purchasing an existing property, building a new facility, expanding your current location or looking to refinance, we can help you.
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Law Offices:
For attorneys, owning your own office space not only strengthens your professional image, it also builds equity and provides long-term stability while giving you the freedom to customize your environment to best fit your practice. The Bank of Edison can help you secure the right long-term financing to match your goals – whether purchasing a new property, remodeling an existing building or refinancing your current loan. With competitive rates and low down payment options, our experienced lenders are ready to help you invest in the long-term success of your firm.
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Funeral Homes:
Your funeral home is more than a business. It’s a place of comfort, care and trust for the families you serve. Owning the right facility allows you to create a dignified, welcoming environment while building a foundation for long-term success. Our tailored financing options, featuring competitive rates and low down payments, make it easier for you to purchase or renovate a space that reflects your commitment to the community and supports your business for years to come.
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Childcare Facilities:
As a daycare provider, you’re entrusted with the responsibility of caring for our greatest treasures. Owning your own building is a key component to your long-term success. Greater stability, control over the environment, and long-term cost savings are just a few of the advantages that you’ll experience when you purchase. Let us help you achieve your business goals with less money down, preserving your capital for hiring staff, developing curriculum, advertising or investing in safety improvements.
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Interested in talking to us about a loan?
Our team of experienced lenders is available to talk to you today. Reach out to us to find out how we can help.
Ready to start the process?
Fill out our online form to see if you qualify for a Bank of Edison SBA 7(a) loan.
The Bank of Edison does not lend in the following states – Arizona, California, Hawaii, Nevada, New York, New Jersey, North Dakota, South Dakota or Vermont