Ready to Buy Your Own Building or Expand Your Portfolio?

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Dec 22, 2025
2 min read

Updated: Dec 30, 2025

Whether you’re a business owner ready to purchase your own building or an investor looking to add commercial property to your portfolio, commercial loans don’t have to be complicated. At LJ Mortgage Team, we help simplify the process so you can focus on growing your business and building long-term wealth.

How Commercial Loans Can Help You

Commercial financing can be a powerful tool when used strategically. These loans can help you:

Purchase commercial properties such as mixed-use buildings, retail storefronts, office spaces, warehouses, and more
Refinance an existing property to improve cash flow or restructure loan terms
Support business growth tied directly to the property, including expansions, renovations, or improvements

Owning your space or investing in the right commercial asset can create stability, equity, and new income opportunities.

Basic Eligibility: A Typical Starting Point

While every deal is different, most commercial loan programs start with the following guidelines:

Credit Score

Typically 700 or higher

Bankruptcies

Not allowed

Down Payment Requirements

Owner-Occupied Properties: Minimum 20% down
Investment Properties: Minimum 30% down

These are general benchmarks, and stronger financials can open the door to more favorable terms.

What Lenders Focus On (and What Makes Approvals Smoother)

Commercial lending is about more than just credit scores. Lenders closely review:

Property income and cash flow Rent rolls, leases, and operating expenses all matter
Your experience and financial reserves Liquidity and proven management experience help reduce lender risk
Clean and complete documentation The faster information is verified, the faster you can close

Preparation plays a major role in how smoothly your loan process moves.

Pro Tip: There’s No One-Size-Fits-All Commercial Loan

The best commercial loan depends on:

Property type
Occupancy levels
Your long-term strategy (hold, refinance, or sell)

That’s why working with a knowledgeable mortgage broker matters. The right structure today can save you time, money, and stress later.

Ready to Get Started?

Comment “COMMERCIAL” and we’ll send you a quick pre-approval checklist so you know exactly what documents to gather before applying.

Terms and Conditions apply.

About LJ Mortgage Team

LJ – Your Local Guide to Homeownership!

📍 127-03 Rockaway Blvd South Ozone Park, NY 11420📞 (516) 218-1297

LJ Realty Team Buy • Sell • Rent Equal Housing Opportunity

LJ Mortgage Team Inc. – NMLS #2120286Purchase & Refinance NYS Registered Mortgage Broker, NYS Department of Financial Services

Mortgage Broker Only. Not a mortgage lender or mortgage correspondent lender. We arrange mortgage loans with third-party providers. We do not make mortgage loan commitments or fund mortgage loans. Licensed by the NJ Department of Banking and Insurance.

For licensing information, visit: www.nmlsconsumeraccess.org

Terms and Conditions apply.

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