
Commercial property loans provide funds for businesses to purchase commercial real estate, requiring a larger down payment (20-50%) and a stricter assessment than residential mortgages. Lenders evaluate the borrower's business health, including its creditworthiness and the property's income-generating potential, using metrics like the debt service coverage ratio (DSCR). The loan is secured by the property, and borrowers make monthly payments that include principal and interest, often on shorter terms (5-10 years) compared to home loans.


