CMBS Loans

Empowering Commercial Real Estate through CMBS Financing

Commercial Mortgage‑Backed Securities (CMBS) loans provide long‑term, fixed‑rate financing for stabilized income‑producing properties. These loans are structured for institutional investors and securitized through the capital markets, offering borrowers competitive rates and non‑recourse terms. Alliance Business Capital works with national CMBS lenders to help clients navigate underwriting, structure, and closing requirements with clarity and confidence.

CMBS Loans for Commercial Real Estate Owners

CMBS Loan Criteria

  • Minimum Loan – $5 Million

  • Maximum Loan – $200 Million

  • Minimum DSCR – 1.25x +

  • Terms – 2 to 10 Years

  • Amortization – Typically, 25-30 Year, Partial or Full-Term Interest Only may be available

  • Interest Rates – Market Rates

  • Maximum LTV – 75% (most deals are 65% to 70% LTV)

  • Market Area – Populated areas with 100K or more population, No rural properties

  • Closing Time Frame – 45 to 60 days

  • Origination Fees – Alliance is typically 1%, Lender is 0 to 1%

All rates and terms are subject to change at Lender discretion and without advance notice.

Eligible Property Types

  • Office

  • Retail

  • Industrial

  • Hotel

  • Multifamily

  • Mobile Home Community

  • Self-Storage

Eligible Uses

  • Property Acquisition

  • Refinance

  • No Construction Loans

Required Loan Forms & Initial Documentation

Alliance Business Capital has developed a standardized loan package that aligns with the documentation and underwriting requirements of our lending partners. Proper packaging is essential to the loan approval process, and our role — whether acting as a commercial loan intermediary, advisor, or correspondent lender — is to ensure your client’s submission is complete, compliant, and positioned for efficient lender review.

Loan Forms

Please use Alliance Business Capital forms exclusively when submitting a Loan Application. All forms should be completed in as much detail as possible to avoid delays in processing. Our team will assist in fine‑tuning all forms prior to lender submission.

Initial Documents Needed

  • 2 Forms of ID – (Driver’s License and Passport)

  • Borrowing Entity Formation Documents

  • On Refinances – a copy of the existing note(s) and settlement statement from original purchase if < 4 years

  • Property Financials – most recent 3-year end PL’s and a current YTD profit and loss with balance sheet

  • Property Rent Roll – if applicable

Upon receipt and review of the above documents, additional information or documentation may be required.

Disclosure

All CMBS loan terms, rates, and structures referenced herein are illustrative and subject to lender underwriting, third‑party reports, market conditions, and final credit approval. Alliance Business Capital, Inc. acts solely as a commercial loan intermediary and advisory firm.

It All Starts With a Conversation!

Have a deal you’d like to discuss? Partner with Alliance – we’re results-oriented and focused on helping you close transactions efficiently.

For Commercial Real Estate Financing, Please call

(866) 712 4175

info@alliancebcpartners.com