Commercial Real Estate Loans & Financing

Grow your commercial real estate business

Buy, refinance or expand your enterprise with a CRE loan

With deep industry relationships, lending expertise and market experience, our bankers are poised to help you grow. We offer commercial real estate loans to finance construction and existing commercial properties including retail property, industrial property, multi-family rental units, select hospitality properties, commercial investment property and loan portfolios, and more.

Get industry expertise

Our team of seasoned bankers has the expertise your company needs to buy, refinance or expand.

Benefit from a local touch

Our bankers have years of experience in their communities—which means you can use their connections to find and finance the right commercial properties for your growing business.

Collaborate with our team

We're focused on more than transactions. Our team will work with you to find the best strategies, plans and solutions.

Ready to start?

First Citizens And You
Grow your footprint with our commercial real estate loans expertise

Explore adjustable-rate loans

We offer flexible commercial property loans with 3- to 20-year terms on any amount above $250,000.

Get into the right owner-occupied space

Make an investment in your company's future. We can help you determine if purchasing your commercial property is the right decision for your business and provide financing solutions to meet your needs.

Access competitive flexible rates

We offer a range of commercial real estate loan rates and terms. Let us help you find what suits your unique needs for the project you have in mind.

Commercial Real Estate Products and Services

How can we help meet your business needs?

Our real estate finance team puts our expertise to work to provide financing and banking solutions to experienced commercial real estate owners and developers.

  • Acquisition loans on value-add properties
  • Construction loans for multi-family and industrial properties
  • Term loans on stabilized properties
  • Varying loan sizes from $20 million to $150 million
  • Recapitalizations
  • Mezzanine—origination for distribution with a dedicated capital markets team
  • Treasury management, including cash management

Commercial Real Estate FAQ
People often ask us

A commercial real estate loan is a loan to buy, build or improve income-producing property. Income-producing property includes both property that's leased to a third party and nonresidential property that's occupied by its owner. These mortgages are made to business entities for business-related purposes.

The biggest difference between a consumer mortgage loan and a commercial real estate loan is how they're used. A mortgage is a loan to help someone finance the cost of a home. A commercial real estate loan is used to invest in a business. Commercial real estate loans also typically have higher rates and shorter terms than mortgage loans.

Commercial Real Estate Financing Insights
Grow your business

Finance

Should You Rent or Buy Commercial Property?

Before you buy a property for your business, it's important to weight the pros and cons.
Understand the local real estate market and the main reasons why you should lease or buy commercial property.
Finance

What Does It Mean to Become Overleveraged in Real Estate?

Understand the true profitability on a real estate investment to avoid becoming overleveraged.
Ongoing repairs, long-term vacancies and late-paying tenants are just a few of the challenges property investors face.
Management

Tips for Filling Vacant Retail Properties

Offering a tenant referral program is one way to address retail vacancies and support cash flow.
By addressing what matters most to your tenants, you'll likely improve retention.

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