Navigating the world of commercial real estate financing can be overwhelming—but it doesn’t have to be. With the right lender and a clear understanding of your options, you can unlock new opportunities and move with confidence. At Darkhorse Capital Group, we specialize in simplifying the lending process while delivering customized solutions tailored to your investment goals.

In-Depth Guide: Commercial Real Estate Loans and Financing

Whether you’re acquiring a multifamily property, developing an industrial facility, or refinancing a retail center, choosing the right financing structure is crucial. Here's what you need to know:

What Are Commercial Real Estate Loans?

Commercial real estate (CRE) loans are designed to fund income-producing properties used for business purposes. Unlike residential mortgages, these loans typically have stricter underwriting guidelines, shorter terms, and more complex repayment structures.

Common uses for CRE loans include:

Purchasing or refinancing commercial buildings
Ground-up construction or development
Property upgrades and repositioning
Bridge financing for time-sensitive acquisitions

Types of Commercial Real Estate Loans

Understanding the different financing options can help you select the best fit based on your timeline, risk profile, and financial goals. Below is a breakdown of the most common loan types, ranked from lowest to highest in terms of interest rates:

What Lenders Look For: Key Considerations

✅ Loan-to-Value (LTV) Ratio

The lower your LTV, the stronger your application. It also typically results in better loan terms.

✅ Debt Service Coverage Ratio (DSCR)

A DSCR above 1.25 is considered favorable. This shows your property generates enough income to cover its debt.

✅ Interest Rate & Loan Term

Decide whether a fixed or variable rate best fits your strategy. Loan terms will directly impact your monthly cash flow and long-term cost.

✅ Experience & Track Record

Lenders favor experienced borrowers. If you’ve successfully managed similar properties in the past, it can strengthen your application and open doors to better terms.

Why Choose Darkhorse Capital Group?

Market Expertise

Our team has deep industry knowledge and real-world experience. We’re not just brokers—we’re strategic advisors.

Customized Financing Solutions

We tailor every loan package to your specific needs, whether you're funding a ground-up project or refinancing an existing asset.

Lender Network & Relationships

We maintain strong relationships with a wide range of private and institutional lenders, enabling us to find the right fit for each client.

Clear Communication & Support

From application to closing, we provide hands-on guidance to help you stay informed and in control.

Let’s Talk About Your Investment Goals

At Darkhorse Capital, we believe great deals begin with great partnerships. Whether you're exploring your first commercial acquisition or scaling your portfolio, we’re here to help.

💬 Speak with a commercial financing expert today.

Let’s unlock your next investment opportunity—together.

Mastering Commercial Real Estate Financing: Your In-Depth Guide