Commercial Real Estate Loans Built for Business Growth
Looking to purchase, refinance, or renovate commercial property? EBA Payments offers commercial real estate loans tailored to business owners and investors across a wide range of industries. With flexible terms, high loan-to-value options, and funding up to $50 million, we help you move quickly on the properties that move your business forward.
Program Snapshot
Loan Amounts
$200K – $50M
Loan Term
1 – 30 years (fixed and interest-only options available)
Loan to value
Up to 80%
Interest Rates
Competitive market rates!
Funding Timeline
Can close in as little as 2–3 weeks
Why Choose EBA Payments for CRE Loans?
Funding for Investors or Owner-Occupiers
We finance retail, office, industrial, warehouse, mixed-use, and more — whether you're using it or leasing it.
No DSCR?
No Problem.
We offer no-DSCR options for smaller loan amounts, especially under $750K.
Flexible Credit Requirements
We work with borrowers as low as 600 FICO — and can consider complex financials or unique deal structures.
Foreign Nationals & High-Risk Industries Welcome
We support deals others avoid, including cannabis-related properties and borrowers without U.S. citizenship.
Blanket Loans Available
Need to cross-collateralize or create a portfolio loan? We can do that, too.
Use Cases for Commercial Real Estate Loans
- Property purchases
- Fix & flips
- Refinance or debt consolidation
- Ground-up construction
- Real estate lines of credit
- Hotel, condo, and mixed-use projects
- Quick closings on distressed or vacant properties
- Chapter 11 exits
- And more…
Eligible Property Types
- Residential investment properties
- Commercial and industrial buildings
- Multifamily units
- Condominiums and hotels
- Office space
- Vacant land and mixed-use
- Single-tenant and multi-tenant spaces
Documents You’ll Need to Apply
Basic commercial real estate application & questionnaire
Personal financial statement (for all 20%+ owners)
Rent roll and income/expense sheet (for investment properties)
Appraisal (or broker opinion of value, if available)
Purchase contract or payoff statement (if refinancing)
Valid government-issued ID
Entity docs (LLC, S-corp, etc.)
What Do You Qualify For?
We’ll evaluate your business, property, and goals to match you with the best commercial loan structure — no pressure, and no hard credit pull to get started.
Minimum Requirements:
- Property must be in the U.S.
- No open bankruptcies
- No recent commercial defaults
Let’s Get You Funded
Our friendly team would love to hear from you.
