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Home / Investor Financing / COMMERCIAL FINANCING

Commercial Real Estate Financing That Fits Your Investment Strategy

Strategic Financing Solutions for Commercial Real Estate Investors & Business Owners

Commercial real estate financing isn’t one-size-fits-all – and neither are your goals. Whether you are acquiring a multifamily property, expanding your business footprint, refinancing an existing asset or financing a mixed-use development, securing the right loan structure can significantly impact long-term returns.

At Lowcountry Lending Group, we help investors, developers and business owners access commercial financing solutions through our network of specialty lenders nationwide.

From apartment buildings and mixed-use developments to office, retail, industrial and investment properties, we help structure financing desired around your property’s performance and your investment objectives.

Complex deals. Strategic financing. Straight answers.

Investment Property Financing based on Rental Income - Not Your Tax Returns

What Is Commercial Financing?

Commercial financing refers to loans secured by income-producing real estate or business-use properties.

Unlike residential mortgages, commercial loans are often structured around the property’s income, value, occupancy and investment performance rather than solely on the borrower’s personal income.

Commercial financing can be used for:

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Property acquisitions
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Refinancing existing debt
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Cash-out refinances
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Portfolio expansion
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Development projects
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Business owner-occupied properties
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Value-add investment opportunities
Because commercial properties and investment goals vary significantly, financing structures are typically customized for each project.

Commercial Property Types We Finance

Multifamily Properties

Apartment buildings, larger multifamily communities and income-producing residential investments.

Mixed Use Properties

Properties that combine residential, retail, office or commercial uses within a single development.

Retail Properties

Shopping centers, storefronts, strip centers and retail investment assets.

Office Buildings

Professional office space, medical office buildings, executive suites and business centers.

Industrial & Warehouse Properties

Distribution centers, warehouses, flex space facilities and industrial investment properties.

Self Storage Facilities

Financing solutions for existing facilities, acquisitions, expansions and refinancing opportunities.

Hospitality Properties

Select financing solutions for hotels, vacation rental portfolios and hospitality-related investments.

Owner-Occupied Commercial Properties

Properties occupied by the business owner, including professional offices, retail operations and industrial facilities.

Why Investors Choose DSCR Loans
Who Is a DSCR Loan Best For_

Commercial Financing Solutions

Acquisition Financing

Purchase commercial properties with financing structured around your investment goals and timeline.

Commercial Refinancing

Lower payments improve cash flow, restructure debt or reposition an asset through refinancing.

Cash Out Refinancing
Access equity from existing properties to fund acquisitions, renovations, business growth or portfolio expansion.

Multifamily Refinancing

Financing solutions for apartment buildings and larger residential investment properties.

Portfolio Lending

Consolidate multiple assets into a streamlined financing structure.

Bridge Financing

Short-term capital for acquisitions, transitions, repositioning projects or time-sensitive opportunities.

Construction & Development Financing

Funding for ground-up construction, redevelopment, expansion projects and speculative development opportunities.

Why Commercial Borrowers Choose Lowcountry Lending Group

Access to Specialized Commercial Lenders

Commercial financing often requires a lender that understands your specific asset type. We work with a broad network of lenders that specialize in different commercial property categories.

Flexible Loan Structures

No two commercial deals are identical. We help identify financing solutions that align with your property’s cash flow, business plan and long-term objectives.

Investor-Focused Expertise

From multifamily investors to developers and business owners, we understand how commercial real estate decisions impact profitability and growth.

Nationwide Commercial Lending

While we are proudly based in South Carolina, we assist commercial borrowers throughout the United States.

Honest Guidance

If a deal needs additional preparation before financing makes sense, we will take you. Our goal is to help you secure the right financing – not simply any financing.

Real World Example
Why Work with Lowcountry Lending Group?

Common Commercial Financing Scenarios

Multifamily Acquisition

An investor acquires a 24-unit apartment building and secures financing based on the property’s income potential and future growth strategy.

Mixed-Use Developed Refinance

A developer refinances a completed mixed-use project into permanent financing after construction and lease-up.

Cash Out Portfolio Expansion

A commercial property owner accesses equity from an existing asset to fund additional acquisitions.

Owner-Occupied Business Property

A business owner purchases a building instead of continuing to lease commercial space, creating long-term equity while stabilizing occupancy costs.

Value-Add Commercial Investment

An investment acquires an underperforming commercial property, improves operations, increases occupancy and refinances into long-term financing.

Commercial Financing Features

Depending on the property and lender, programs may offer:
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Loan amounts from small-balance commercial to multi-million dollar transactions
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Fixed and adjustable rate options
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Long-term amortization structures
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Interest-only options on select programs
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Cash-out refinancing
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LLC, corporation and partnership ownership structures
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Multifamily and mixed-use eligibility
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Investment and owner-occupied property financing
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Nationwide commercial lending solutions
Because commercial financing is highly customizable, terms vary based on the property’s performance, occupancy, and investment strategy.
Investment Property Financing based on Rental Income - Not Your Tax Returns
Investment Property Financing based on Rental Income - Not Your Tax Returns

Why Work with an Independent Broker?

Commercial financing is often less about finding a loan and more about finding the right lender. As an independent mortgage brokerage, we are not limited to a single bank’s products or underwriting guidelines.

Instead, we leverage relationships with multiple commercial lending partners to identify financing options that fit your specific deal.

That means:

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More financing options
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Competitive loan structures
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Access to niche commercial lenders
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Greater flexibility for complex projects
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One point of contact throughout the process

FAQs

What types of commercial properties do you finance?
We work with a wide range of property types, including multifamily, mixed-use, office, retail, industrial, warehouse, self-storage and select hospitality assets.
Do you offer commercial financing outside South Carolina?
Yes. We work with commercial real estate investors and business owners nationwide.
Can I finance a property through an LLC?
Absolutely. Most commercial lenders regularly work with LLCs, partnerships, corporations and other business entities.
Are commercial loans based on personal income?
Not always. Many commercial financing programs focus heavily on the property’s income, cash flow and investment performance.
Can I refinance an existing commercial property?
Yes. We assist with rate and term refinances, cash-out refinances, portfolio restructures and permanent financing solutions.
How long does commercial financing take?
Timelines vary based on property type, complexity and lender requirements, but we will provide realistic expectations upfront and guide you through the process.