Commercial Real Estate Financing Solutions
Integrity Mortgage Advisors provides specialized commercial financing for business owners and real estate investors looking to purchase, refinance, or develop commercial properties in Colorado and nationwide. Whether you're acquiring your first storefront or expanding a million-dollar portfolio, we have the strategic solutions to help you close with confidence.
$500k+
LOAN AMOUNTS
Up to 90%
LTV/LTC
25-yr
FULLY AMORTIZED
No Limit
PORTFOLIO SIZE
Property Types We Finance
- Multifamily (5+ Units)
- Mixed-Use Properties
- Retail & Shopping Centers
- Professional Office Space
- Industrial & Flex Spaces
- Warehouse & Distribution
- Self-Storage Facilities
- Hospitality & Hotels
Specialized Loan Programs
SBA 504 & 7(a)
Low down payment solutions for owner-occupied business real estate with fixed-rate financing options.
Commercial Bridge Loans
Short-term financing used to bridge the gap until permanent financing or a sale is secured. Fast execution.
Hard Money Commercial
Asset-based financing focusing on property value rather than traditional credit, ideal for quick closings.
Why Choose Integrity Mortgage Advisors?
Local Expertise
Deep understanding of the Colorado market and local economic drivers affecting commercial values.
Direct Access
Relationships with dozens of wholesale and portfolio lenders gives you access to products local banks can't offer.
Technical Precision
We analyze DSCR, NOI, and market comps with expert accuracy to ensure your financing is structurally sound.
Commercial Loan Requirements
Debt Service Coverage Ratio
Minimum DSCR of 1.20-1.35+, depending on property type and lender.
Borrower Experience
A track record with commercial or investment property ownership strengthens your application.
Credit Score
620+ required; 720-740+ typically needed for loans over $1M to access the best pricing.
Cash Reserves
Lenders typically require reserves equal to about 6 months of loan payments.
Down Payment
20-25% down for most programs; some options allow as low as 15% with strong compensating factors.
Property Condition
Properties must pass a commercial appraisal and meet lender condition standards.
Documents You'll Need
2 Years Business Tax Returns
2 Years Personal Tax Returns
Rent Roll & Property P&L
Current rent roll and profit/loss statement for the property, if income-producing.
Personal Financial Statement
Business Debt Schedule
Entity Documents
LLC operating agreement and articles of organization.
How to Get a Commercial Loan
Discovery Call
We learn about your property, business goals, and financing needs.
01
Financial Package Prep
Gather your financial documents and put together a strong lender submission.
02
Lender Matching & Term Sheet
We match you with the right lender and secure a competitive term sheet.
03
Appraisal & Underwriting
The property is appraised and your file moves through underwriting.
04
Sign your documents and access the capital you need.
05
Closing
Ready to Get Started with your Commercial Real Estate Financing?
Unlock the capital you need to grow your business or real estate portfolio. Let's discuss your commercial goals today.