Financing for Florida investors, small businesses, and commercial property buyers — from $250K to $20M+.
Apply for a Commercial Real Estate Loans →Commercial real estate loans are mortgages for income-producing properties — multifamily apartments, mixed-use buildings, retail centers, office space, industrial property, hotels, and more. Unlike residential mortgages, commercial loans qualify the PROPERTY based on its income (debt service coverage ratio) more than the borrower's personal income. We work with portfolio lenders, DSCR lenders, SBA lenders, and bridge lenders to find the right structure for your project.
Multifamily (5+ units), mixed-use, retail, office, industrial, hospitality, self-storage, and special-purpose properties.
Debt Service Coverage Ratio loans qualify the PROPERTY, not your personal income — great for investors with strong rental cash flow.
SBA 504 and 7(a) loans for owner-occupied commercial property with low down payments (10%) and long terms.
Need to close quickly? Bridge loans and hard money options close in 7–14 days for time-sensitive deals.
We finance commercial properties statewide, with specialty in South Florida's mixed-use, retail, and multifamily markets.
Refi commercial property at lower rates, pull cash out for new acquisitions, or restructure debt to improve cash flow.
Commercial loans are right for Florida investors buying or refinancing income properties, small business owners buying their own location (SBA), or developers acquiring property to renovate and resell. Loan structure varies wildly by deal — that is why having a broker shop multiple lenders saves you 0.5–1% in rate.
Every situation is unique. The fastest way to know if this is the right loan for you is to talk to a licensed Divito Lending advisor — we will look at your full picture and recommend the loan type that actually fits.
Residential loans (1–4 units) qualify YOU (your income, credit, DTI). Commercial loans (5+ units, retail, office, etc.) qualify the PROPERTY based on its net operating income and debt service coverage ratio. Commercial typically has shorter terms (5–10 years), higher down payments (25%+), and balloon payments.
A Debt Service Coverage Ratio loan qualifies a rental property based on its rental income covering the mortgage payment (typically 1.0–1.25x). Your personal income does not need to be verified — perfect for investors with many properties or limited W-2 income.
Yes — SBA 504 loans finance owner-occupied commercial property (you use it for your business) with as little as 10% down. SBA 7(a) loans go up to $5M and can be used for property + working capital + equipment.
Traditional conventional/DSCR loans: 30–60 days. SBA loans: 60–90 days. Bridge or hard money loans: 7–21 days. We will match you with the right product based on your timeline.
Get pre-approved in minutes with no credit pull, or schedule a no-pressure conversation with a licensed Florida mortgage advisor.