NMLS 2262631 · CA DFPI 60DBO 86104 · Commercial lending in 46 states + DC
Direct commercial real estate lender

Refinance Your Commercial Property

Commercial real estate loans from $100K to $75 million. No tax returns. Up to 80% LTV. Closings in 2 to 5 weeks.

  • Cash-out, rate-and-term, and bridge payoff refinancing for income-producing commercial property
  • Owner-occupied commercial is eligible, which most lenders turn down
  • No W-2s and no tax returns. We respond to clients within the hour.

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We do NOT pull credit. We’ll email you a full LOAN QUOTE.

Commercial Refinance Quote

No obligation. Your information stays confidential and is used only to respond to your inquiry. Prefer to talk? Call 1-888-858-3241.

  • Response within the hour
  • No obligation
  • Never shared
4.8★Google rating
46 statesPlus DC for commercial
Up to 80%Maximum LTV
Under 1 hrTypical response time
Commercial refinance programs

Commercial Real Estate Refinancing Sized to the Property

We underwrite the building and how it performs, so the loan fits the asset instead of a bank's checklist.

Commercial cash-out refinance

Pull equity out of a building you already own to buy the next one, fund tenant improvements, or build reserves. Up to 80% LTV on qualifying properties.

Rate-and-term refinance

Replace a loan whose rate, structure, or maturity no longer fits your plan for the property, without taking cash out.

Bridge and hard money payoff

Move off expensive short-term debt, or a balloon coming due, and into permanent financing before the maturity date catches you.

Construction takeout

Finished the build or the repositioning? Refinance the construction loan once the property is complete and leasing up.

Owner-occupied commercial

Your business operates out of the building? We finance owner-occupied commercial property, including 5+ unit buildings. Many lenders won't.

Small balance to $75 million

Loans start at $100K, so a small-balance commercial refinance gets the same attention as a large multifamily deal. No W-2s or tax returns required.

The one-hour standard

A commercial refinance shouldn't stall in somebody's inbox.

You have a maturity date, a rate you want to lock, or a purchase that depends on the cash out. Then the lender goes quiet for two days. Anyone who has refinanced a commercial building has lived through that.

We respond to clients within the hour during business hours, and often in minutes. When something changes in your file, you hear about it that day rather than the week of closing. We run every file that way, because on a time-sensitive refinance a late answer costs real money.

The person on the other end has usually owned property too. Most of our loan officers are real estate investors themselves, so the conversation is about rent rolls, NOI, and your exit, not a script.

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The difference

AMZA Capital vs a Traditional Bank

How a commercial refinance compares with a direct private money lender versus a bank.

 AMZA CapitalTraditional bank
Underwriting basisThe property's income, value, and your plan for itTax returns, personal income, and global cash flow
Tax returns and W-2sNot requiredUsually two or more years
Owner-occupied commercialEligibleOften routed to a separate program or declined
Response timeWithin the hourTwo days to a week
Maximum LTVUp to 80%Lower caps on many property types
Loan size$100K to $75 millionSmall balances often unwanted
Time to close2 to 5 weeksWeeks to months

Terms subject to underwriting. Not all borrowers or properties will qualify.

How it works

Three Steps From Quote to Close

1

Request your quote

Tell us about the property, its income, and what you want the refinance to do. The form takes about two minutes and asking has no effect on your credit.

2

Talk to a loan officer

A loan officer reviews the numbers and comes back with a pricing proposal, or tells you plainly what would need to change for the deal to work.

3

Close in 2 to 5 weeks

Lock your terms, finish underwriting, and fund. Closings take 2 to 5 weeks.

Eligible collateral

Commercial Property Types We Finance

Owner-occupied commercial is eligible

If your company runs out of the building, whether that is a shop, an office, a warehouse, or a medical practice, you can still refinance with us. We finance owner-occupied commercial property, including 5+ unit buildings, which is something most lenders decline.

The one thing we don't finance is owner-occupied 1–4 unit residential. Every loan is business-purpose.

Multifamily (5+ units) Mixed-use Retail Office Industrial & warehouse Self-storage Hospitality & hotel Medical & special purpose Owner-occupied commercial
We lend on commercial property in 46 states plus DC. The exceptions are Minnesota, North Dakota, South Dakota, and Vermont.
Questions

Commercial Refinance FAQ

How do you size a commercial refinance?

Mostly on the property. We look at its net operating income and how comfortably that income covers the new loan payment (the debt service coverage ratio, or DSCR), along with the appraised value and the LTV that produces. That is why the form asks for annual NOI and occupancy. If you have those numbers, the first quote will be much closer to the final terms.

Do you finance owner-occupied commercial property?

Yes. Owner-occupied commercial is eligible, including 5+ unit buildings and other commercial property your business operates from. Most lenders decline these loans. The only owner-occupied property we don't finance is 1–4 unit residential.

What documentation do I need?

No W-2s and no tax returns. The file centers on the property and how it performs. Your loan officer will tell you exactly what your deal needs after the first conversation, so you aren't gathering paperwork that won't be used.

How long does a commercial refinance take?

Closings typically take 2 to 5 weeks from application. You'll get a response within the hour when you reach out, and the faster the property information comes in, the sooner we can lock terms.

How much can I borrow against the property?

Up to 80% LTV, depending on the property type, its income, and your equity position. Rate-and-term refinancing with no cash out is also available.

What loan sizes do you offer?

From $100K to $75 million. A small-balance commercial loan on a single retail building gets the same attention as a large multifamily refinance.

See what your commercial refinance looks like today.

Fill out one short form and a loan officer will come back with a no-obligation pricing proposal. Up to 80% LTV, $100K to $75 million, closings in 2 to 5 weeks.

Prefer to talk? Call 1-888-858-3241.

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