Ai Capital Funding


Commercial Real Estate Financing

We want to help you get the capital you need to purchase or expand your real estate business. Complete our easy application process today.

Lending Options for Commercial Real Estate


Commercial real estate financing presents a number of challenges and opportunities for large and small transactions. At Ai Capital Funding we provide recourse and non-recourse lending options for both investment properties and owner-occupied holdings. Our goal is to match the most appropriate financial instrument for each situation.

  Ai Capital Funding is happy to work with both prospective and seasoned business owners to help you get the commercial real estate loan you need to get everything started. This includes rental loans, construction loans, buyout loans, and more.

Our Broad Portfolio of Lending Choices


Our experienced financial team has the knowledge to assess the efficacy of each of the following options for commercial real estate financing.

  • Bridge Loans
  • These loans typically are short-term in nature and are designed to provide a transitional funding source that will be quickly paid off or replaced with a permanent loan.
  • Loan Amounts from $1 million up to $10 Million.
  • Eligible Properties for our Bridge Loans are Multifamily/Apartments (5+ units), Mixed-Use, Self-Storage, Warehouse/Light Industrial, Seniors Housing/Senior Living, and Healthcare Real Estate. *No Land, Development, Groud-up Construction, Rural, or Tertiary Markets.
  • CMBS Loans
  • Commercial Mortgage-Backed Security loans feature low interest rates and fixed terms and provide funding up to $50 million.
  • Conventional Programs
  • With funding up to $100 million, conventional loans are offered for stabilized investment and for properties such as self-storage, apartments, multi-family housing and industrial and mobile home parks.
  • HUD and FHA Lending
  • These loans feature low rates, non-recourse, full amortization, and other favorable terms, and are designed for senior housing, new construction, healthcare facilities and hospitals and other properties.
  • Construction Financing
  • Backed by equity as collateral, construction loans as high as $100 million are designed to provide funding for new construction projects.
  • SBA 7a and 504 Loans
  • At Ai Capital Funding we offer low interest rates and 25-year terms for owner-occupied properties and flagged and non-flagged hotels.
  • International Financing
  • We have extensive experience in European and Eurasian in the areas of structured debt, equity and mezzanine financing and other fields.
  • Equity and Mezzanine Financing
  • This method of financing is used for high-net-worth investors for loans up to $100 million and allows for a high degree of customization.
  • Debt-Service Coverage Ratio or DSCR Loans
  • These loans enable real estate investors to qualify for an investment property based on rental income generated rather than personal income and make them ideal for self-employed investors.
  • Minimum property value required is $150,000 and minimum loan amount is $100,000.

Who Should Seek Out Commercial Real Estate Loans?

Commercial real estate loans are ideal for investors and business owners looking to acquire an investment property to add to their portfolio or a commercial property to offer a physical presence to employees and customers.

It's also great for those endeavoring to expand or purchase additional properties to offer multiple locations.


As with any loan from a financial institution, there are certain requirements for obtaining a loan with Ai Capital Funding. You'll need to prove that your business has been in place for a reasonable amount of time and has been profitable.


Loan Requirements


  • Commercial Real Estate Loans typically require a credit score of at least 660, but this depends on the type of loan and Lender's stipulations. Generally, the higher the credit score, the better the rate we can offer you.
  • Down payments for commercial real estate loans are typically 20% in order to set up a 80% LTV (Loan-to-Value) for most lenders, but in some cases LTVs can be accepted as high as 70%.
  • For DSCR Loans, DSCR ratios as low as 1 can be financed depending on the applicants experience and history of financing other properties. Typically, a 1.2 is good, and anything above 1.5 makes for a stronger funding candidate.


We do our best to work with you and provide variable term lengths and interest rates that are decided upon your business financial history and in certain cases, personal credit history. You may also be eligible for additional benefits in certain qualifying circumstances.


Commercial Property Types

  • Multi-Family: Multifamily properties consist of five or more residential rental units. One example would be a residential high-rise building.
  • Mixed-Use: This type of property contains a mix of commercial and residential units. For example, this can be an apartment complex with office space on the ground floor.
  • Flex Space: A flex space is typically a warehouse with a small office and retail component. Tenants interested in flex spaces may include ecommerce, logistics, or construction companies. The essence of flex space is that it's adaptable and easy to reconfigure.
  • Office: Some examples are suburban office buildings or buildings in the central business district. Most SBC lenders require the office space to have multiple tenants.
  • Light Industrial/Warehouse: Light industrial properties can attract tenants such as companies that produce food or fast-moving consumer goods. Just like with office space, most SBC lenders require multiple tenants.
  • Retail: Most lenders will shy away from single tenant buildings due to the risk associated with the loss of the tenant (of course this excludes the situation with a credit tenant triple net lease).


Our business allows you to expand and grow at a reasonable pace.

If you're looking for assistance with your next Real Estate Investment, you've come to the right place. Contact
Ai Capital Funding today to schedule a meeting to discuss your commercial real estate loan options or if you are ready to start the process, click on the Apply for Loan button below.


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We provide funds for Purchase, Purchase and Renovate, or Rifinance Non-Owner Occupied Residential and Commericial Properties to Real Estate Investors, Commercial Contractors, and Small Business Owners across the Nation.



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