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Competitive Commercial Loan Rates

At Prime Commercial Capital, we understand that one of the first questions our clients ask is, “What’s the rate?” And while interest rates are a critical factor, the real answer depends on many moving parts—including your property type, loan size, credit profile, and financing goals.

Rather than offer generic estimates, we focus on structuring the most competitive and customized loan solutions for your project. Our goal is to align you with favorable terms that fit your cash flow, timeline, and investment strategy.

What Influences Your Commercial Loan Rate?

Every deal is unique, and so is its pricing. Here are the main factors that impact commercial loan rates:

  • Loan Type (Bridge, SBA, DSCR, CRE, etc.)
  • Property Type and Location
  • Borrower's Creditworthiness and Experience
  • Loan-to-Value (LTV) Ratio
  • Debt Service Coverage Ratio (DSCR)
  • Loan Amount and Term
  • Market Conditions and Index Rates

Our Approach to Rate Structuring

Unlike banks with fixed, limited offerings, Prime Commercial Capital has access to a wide network of

  • ✅ Agency lenders (Freddie Mac, FHA MAP, etc.)
  • ✅ Commercial banks and credit unions
  • ✅ Private lenders and CMBS investors
  • ✅ Life insurance companies and specialty finance groups

We use our relationships to shop for the best possible rates based on your unique loan profile—often presenting you with multiple options to compare and choose from.

Rate Ranges You Can Expect

While final terms depend on underwriting, here’s a general overview of rate expectations as of current market trends:

Loan Type Estimated Rates Term
SBA 7(a) / 504 Loans 6.25% – 8.50% 10–25 Years
Commercial Real Estate Loans 6.50% – 9.00% 5–30 Years
DSCR Loans 7.00% – 9.75% 30 Years (Fixed)
Construction Loans 8.00% – 11.00% 12–36 Months
Bridge Loans 9.00% – 12.50% 6–24 Months
Fix & Flip Loans 10.00% – 13.00% 6–18 Months

🔔 Note: These rates are provided as general market estimates and ae subject to change based on the lender, market fluctuations, and specific loan characteristics.

Why Rates Are Just Part of the Picture

While securing a low interest rate is important, it’s just one piece of a larger financial strategy. At Prime Commercial Capital, we focus on the total value of the deal—including

  • Fees and closing costs
  • Amortization schedules
  • Prepayment terms
  • Flexibility for future refinancing or expansion
  • Speed and reliability of closing

Let’s Talk About Your Loan Scenario

The best way to understand what rate you qualify for is to schedule a consultation with our team. We’ll review your goals, gather a few key details, and provide realistic options tailored to your needs.

📞 Call 301-686-8500 or 📧 email rdavis@primecocapital.com to request a rate quote today.