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Commercial RE Loan Program

Commercial Real Estate Loans

When your commercial deal needs to close in 14 days instead of 90, Sab Tera Lending is the lender you call. Direct asset-based commercial lending. Same-day commitment. No income verification.

$100K–$10M+Close in 14–21 DaysNo Income DocsUp to 75% LTVAll Property TypesSame-Day Terms
Get a Same-Day Term Sheet 📞 (516) 336-9293
Loan Terms at a Glance

Commercial Real Estate Loans — Program Details

Loan Amount
$100K–$10M+
No formal upper limit
Interest Rate
From 9.5%
Rate depends on deal
Loan Term
12–36 Months
Bridge or acquisition
Max LTV
Up to 75%
Of as-is or stabilized value
Income Docs
None
Asset-based underwriting
Min FICO
660
Credit score minimum
Prepayment
Negotiable
Discussed at term sheet
Close Time
14–21 Days
vs. 90+ days at banks
Recourse
Full Recourse
Personal guarantee required
Properties
All Types
See list below

Who This Loan Is For

  • Investors acquiring commercial property needing fast close
  • Owners refinancing existing CRE for cash-out liquidity
  • Investors bridging from private to permanent CMBS/agency debt
  • Developers and operators in the stabilization phase
  • Borrowers whose conventional CRE lender fell through

How It Works — 5 Steps

1

Submit Deal Package

Property type, address, purchase price or current value, occupancy, existing income (if any), and loan purpose.

2

Same-Day Indication

We issue a preliminary term indication the same business day for complete, well-packaged submissions.

3

Commercial Appraisal

We order a commercial USPAP appraisal — typically 5–10 business days for non-complex properties.

4

Commitment & Due Diligence

Formal commitment issued upon appraisal. Environmental, survey, and title coordinated simultaneously.

5

Close in 14–21 Days

Most commercial loans close within 14–21 days of application. Banks take 60–120 days. We don't.

$480B
US CRE Volume (2024)
Total commercial RE transaction volume
21 Days
Our Avg Close Time
vs. 60–120 days at banks
75%
Max CRE LTV
On as-is or as-stabilized value
90 Days
Bank CRE Average
What you're avoiding by choosing us
What Investors Say

Why Investors Choose Sab Tera First

★★★★★

"I needed a bridge loan for a mixed-use building in Hartford with a 30-day deadline. Sab Tera committed same day and closed in 14 days. Four other commercial lenders were still asking for paperwork. There is simply no comparison when deadlines matter."

TK
Thomas K.
Mixed-Use Investor — Hartford, CT
★★★★★

"Retail strip center in Brooklyn — needed fast bridge financing while I arranged permanent debt. Sab Tera funded in 17 days. No income verification, no committee. Direct lender, direct answer, fast close. Exactly what commercial investing requires."

EL
Eric L.
Retail Investor — Brooklyn, NY
★★★★★

"Distressed office building in Jersey City — a complex deal that most lenders would not even consider. Sab Tera evaluated it on the asset value and my stabilization plan, committed within 24 hours, and closed in 19 days. Their understanding of CRE is exceptional."

NP
Natasha P.
Office Building Investor — Jersey City, NJ
Investor Guide

Private CRE Loans — When Speed Is the Differentiator

Commercial real estate investors know the pain of slow lenders. Banks take 60–120 days to close a commercial loan and require mountains of personal and business documentation. At Sab Tera Lending, we close commercial loans in 14–21 days with no income verification. We are the direct lender investors across New York, Texas, Georgia, and all nine of our service states call when they need certainty and speed.

Commercial Property Types We Finance

We finance multifamily (5+ units), mixed-use (residential + commercial), retail strip centers, freestanding retail, office buildings, warehouse and light industrial, self-storage facilities, and hospitality/boutique hotel properties.

CRE Bridge Loans — Common Use Cases

Our most common commercial loan scenarios include: acquiring a commercial property at auction requiring a 30-day close; pulling cash-out equity while arranging permanent CMBS financing; stabilizing a partially vacant property before qualifying for agency debt; completing a 1031 exchange under a tight deadline; and paying off a balloon payment while refinancing.

Asset-Based Underwriting

We underwrite commercial loans on property value and cash flow potential — not the borrower's personal income, employment history, or tax returns. If the deal is strong, we can fund it. Contact us for a same-day indication.

Common Questions

Frequently Asked Questions

We finance multifamily (5+ units), mixed-use, retail strip centers and freestanding retail, office buildings, warehouse and light industrial, self-storage, and hospitality/boutique hotel. Properties must be investment/non-owner-occupied.
Our minimum commercial real estate loan is $100,000. Most commercial deals we fund range from $250,000 to $3,000,000+.
No. Our asset-based commercial loans underwrite on the property's value and income potential — not your personal tax returns or W-2s. DSCR-based underwriting applies to stabilized income-producing properties; we use as-stabilized value for value-add or vacant properties.
We close most commercial loans in 14–21 days, compared to 60–120 days at traditional banks and CMBS lenders. For borrowers with complete files and clean properties, we have closed in under 14 days.
We lend commercially in all 9 of our service states: NY, NJ, CT, FL, TX, NC, SC, GA, and AL. We are most active in the NYC metro, New Jersey, South Florida, Houston, Atlanta, and Charlotte markets.
View All FAQs →
Other Programs

Explore More Financing Options

Loan Program

Multifamily 5+ Loans

Dedicated program for apartment buildings.

View Program →
 Loan Program

Fix & Flip Loans

Short-term rehab financing for 1–4 unit properties.

View Program →
 Loan Program

DSCR Rental Loans

30-year financing for stabilized 1–4 unit rentals.

View Program →

Close Your Commercial Deal in 14–21 Days

Same-day commitment · Asset-based · No income verification · All commercial property types

Apply Now — It's Free 📞 (516) 336-9293