Commercial Real Estate
The Commercial Real Estate Loan Package
A CRE package needs three things: the borrower’s financials, the property’s income record, and a clean sources-and-uses. Lenders underwrite the property and the borrower together, so both sides must be complete.
Borrower side
- Three years of business and personal returns
- Year-to-date interim financials
- Personal financial statement per guarantor
- Current business debt schedule
Property side
- Rent roll and leases
- Operating statements
- Appraisal (ordered by the lender)
- Condition and environmental reports where required
Deal side
A sources-and-uses statement showing where every dollar comes from and goes keeps the review moving and prevents last-minute scrambles.
Frequently asked questions
What LTV is typical?
Up to roughly 80%, depending on property and borrower.
Do you finance owner-occupied?
Yes — including SBA real estate programs.