Smarter, Simpler Commercial Financing

Turn your commercial real estate "no" to a "yes."



Commercial Real Estate Loans Made Accessible

Best Terms.

More Capital.

Greater Flexibility.


USA Business Lending is aggressive in identifying strategies to say yes to every commercial loan.

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Making dreams a reality

Now is the time to realize your full commercial venture potential. We have developed a commercial loan portfolio to give our valued clients a full service banking experience . Partner with USA Business Lending to open access to capital up to $50 M.

EXPLORE OPTIONS

Our Partners In Commercial Real Estate Loans

Creating a seamless loan process involves having the best team members in place to approve, close and support commercial real estate loans.

usa business lending realtors

Realtors
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Financial Institutions
usa financial best rates and terms

Mortgage Professionals
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Commercial loans for any type of property

We find ways to finance any type of commercial property. Our experts have secured loans for chain restaurants, corporate campuses, auditoriums and stadiums, and many, many more. If you have hit a financing roadblock, contact us for a fast analysis of the viability of your project. Reach out to us today and be on the way to realizing your vision.

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A Seamless Process for Your Largest Career Investment

Through our Commercial Loans Made Easy program, which has been fine-tuned throughout the years, we streamline the extremely overwhelming commercial loan application process.


Using our quick application process, we give the borrower a quick analysis of their potential commercial real estate transaction.  A pre-approval letter can be provided if the project and the borrower appear to be a good match. We underwrite, process, and fund with one of our Financial Partner Institutions after the evaluation (FPIs).


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We Prioritize Our Clients' Needs In Everything We Do

We recognize at USA Business Lending our success is dependent on the success of our clients. Our “Commercial Loans Made Easy” program is designed to make closing easy and successful. We are committed to you. You will have direct access to your representative at all times. We provide a fast review and pre-approval. 

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What does USA Business Lending Offer You?

  • 1. Accept loan requests from $1M-50M

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  • 2. Make loans available for any commercial property types

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  • 3. Serving Clients nationwide!

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  • 4. Specialize in matching clients with the best rates and terms

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  • 5. Have a team of loan experts with more than 30 years experience

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Ready to Apply?
Three easy steps for our clients
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Five Minute Easy Application

Your employees have access to a simple, online form to pass on referrals.

Expert Lending Team Review

Our staff works with the borrower to quickly assess each loan. Potential clients are identified, and we commence document collection, underwriting, and funding.

Prompt and Professional Service

As your loan officers as motivated to close the sale, referrals to your new affiliate increase, as well.

30

years of experience

 50M

dollars available

25+

property loan types

5

minutes to apply

Simple and Straightforward

USA Business Lending recognizes you are balancing your need for simplicity with your desire for the best terms and rates. We match lenders and borrowers based on a very specific set of criteria to ensure that your business needs are met. We walk you through every step of the process, making sure you are comfortable before proceeding to the next step.

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There when you need us, every step of the way.

Unparalleled Customer Service in Commercial Real Estate Loans

When it comes to investing in your business, especially property where your business will operate, you want to make sure you are working with lenders you can trust. Our team operates on honesty, integrity, and respect for each client, regardless of the size of their project. We value every one of our clients and work hard because you work hard.

Loans to Meet Your Specific Needs

No two commercial loans are the same. We work with clients to ensure we understand their needs and to offer our network the best rates and terms.

Loan Details

Cash Out Refinance

Replace an existing commercial real estate loan with a new loan to obtain capital for renovations, debt consolidation, or expansion.

Commercial Construction Loan

Loans for greenfield or redevelopment construction projects initially as interest-only, then rolled or refinanced to a traditional commercial real estate loan.

Commercial Real Estate Purchase

For owners to add stability, set the stage for growth, build a stream of active or passive income for business owners and investors.

Straight Commercial Refinance Loan

Provides ability for business owners to move to a lower interest rate, increase amortization period, reset rate lock-in time to lower monthly payment.

All Businesses.

All Loan Types.

All Property Varieties.


USA Business Lending provides commercial real estate loans for a variety of properties. Our team is comprised of individuals who are experienced in all different property zones and types.


Our in-depth knowledge of different property types helps us better serve you so that you can have access to the best rates, relationships, and benefits that fit your needs. Our professionals will help you get the right commercial real estate loans at the right rates no matter what business endeavor you are pursuing.



  • Apartments & Multi-Family Residences
  • Senior Housing & Assisted Living Facilities
  • Industrial Property
  • Self-Storage
  • Medical Facility
  • Office Buildings
  • Municipal InfrastructureCorporate Campus
  • High-Rise Office & Residential Buildings
  • Franchise Properties
  • Retail Stores
  • Funeral Homes
  • Laboratory Space
  • R&D Facilities
  • Land for Construction
  • Shopping Centers
  • Manufacturing Plants
  • Strip Malls
  • Office Parks
  • Automotive Repair Shops
  • Auditoriums & Stadiums
  • Hotels
  • Convenience Stores
  • Automobile Dealerships
  • Chain Restaurants

CREATING A VIBRANT AND THRIVING INDIANAPOLIS

USA Business Lending is passionate about seeing businesses and business owners thrive in our city. That’s why we work toward excellence day in and day out with every client we serve. Our mortgage experts have been working with Indianapolis businesses for years to facilitate commercial real estate loans.


We work with businesses of all types, both big and small, and in every industry, you could imagine. You can trust that we offer the services of a national company with the customer care you want and need. We are grateful that you are considering USA Business Lending to achieve your business dreams!

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usa business lending three clients

Choose the loan that meets your needs

We help our clients navigate through dozens of variations of conventional mortgages based on different durations, variable rates, amortization periods, rate buy downs, rate adjustment periods, and early pay off options.

Join Our Talent Community

We believe in the potential of collaboration at USA Business Lending because great ideas may come from anyone. Any team member may have an impact and make a difference for the organization by working together. So come join our team and begin your career in a welcoming environment where you may learn and grow.

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LOAN RATES AND TYPES

Financing Eligibility: Construction, Renovation, Refinance and Acquisition of CRE

Loan Amount: $1,000,000 to $200,000,000*

Term: 3 / 5 / 7 / 10 / 15 / 20 / 25 years*

Amortization: Up to 30 years*

Interest Rate Fixed or Variable, each based either on treasure bill indexes or prime lending rate spread respectively

Collateral/Loan to Value: Secured lien via 1st Mortgage / Deed of Trust on CRE. Max 80% on investment / Max 85% on Owner Occupied. Up to 90% on SBA

Repayment: Equal monthly payments based upon term sheet. Principal and interest or interest only options available. Prepayment Penalties are base by case basis.


*Subject to review and change

Financing Eligibility: Better Rates & Terms (Cash Out Option for Renovation, Expansion, or Debt Consolidation of CRE)

Loan Amount: $1,000,000 to $200,000,000*

Term: 3 / 5 / 7 / 10 / 15 / 20 / 25 years*

Amortization: Up to 30 years*

Interest Rate: Fixed or Variable, each based either on treasure bill indexes or prime lending rate spread respectively

Collateral/Loan to Value: Secured lien via 1st Mortgage / Deed of Trust on CRE. Max 80% on investment / Max 85% on Owner Occupied. Up to 90% on SBA

Repayment : Equal monthly payments based upon term sheet. Principal and interest or interest only options available. Prepayment Penalties are base by case basis.


*Subject to review and change

Financing Eligibility: Tempory Funding for Construction, Rehab, or Major Capital Improvements with Rollover Terms at Stabilization

Loan Amount: $1,000,000 to $200,000,000*

Term: 3 / 5 / 7 / 10 / 15 / 20 / 25 years*

Amortization: Up to 30 years*

Interest Rate: Fixed or Variable, each based either on treasure bill indexes or prime lending rate spread respectively

Collateral/Loan to Value: Secured lien via 1st Mortgage / Deed of Trust on CRE. Max 80% on investment / Max 85% on Owner Occupied. Up to 90% on SBA

Repayment : Equal monthly payments based upon term sheet. Principal and interest or interest only options available. Prepayment Penalties are base by case basis.


*Subject to review and change

Financing Eligibility: Construction, Greenfield or Tear-down, at Acquisition of CRE.

Loan Amount: $1,000,000 to $200,000,000*

Term: 3 / 5 / 7 / 10 / 15 / 20 / 25 years*

Amortization: Up to 30 years*

Interest Rate: Fixed or Variable, each based either on treasure bill indexes or prime lending rate spread respectively

Collateral/Loan to Value: Secured lien via 1st Mortgage / Deed of Trust on CRE. Max 80% on investment / Max 85% on Owner Occupied. Up to 90% on SBA

Repayment: Equal monthly payments based upon term sheet. Principal and interest or interest only options available. Prepayment Penalties are base by case basis.


*Subject to review and change

Our Proud Partnerships
papa johns logo

Through our affiliation with USA Business Lending, we are a preferred vendor for current and future Papa John's franchisees, We work with their corporate office to bring loan options not previously available. For buying out other franchisee and real estate loans, we have the financing for your Papa John’s restaurants.

papa johns logo

Convenience store and gas station owners have a partner in NationwideBusiness Lending. We have the creative lending options you need to grow your organization, limited only by your ambition.

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Have Questions?

We're Here to Help.

  • What types of commercial real estate loans do you offer?

    Did you know that there are many different types of commercial real estate loans? Every individual situation and business owner can benefit from different types of loans.  


    One type of loan we offer is a permanent loan, which is a basic mortgage on your commercial property. We also offer SBA loans. These commercial real estate loans are written by traditional and non-traditional lenders and are guaranteed by the Small Business Association. There are several SBA loans that cater to different types of borrowers. 


    We also offer bridge loans: short term mortgage commercial real estate loans on your commercial property. We suggest bridge loans when you are waiting on longer-term financing. Regardless of the size of your business or your financial situation, we can help you understand exactly what you need and acquire the commercial real estate loan type that will be best for your business. 

  • What are the differences between a commercial loan and a consumer loan?

    Individuals are given consumer loans. A business is given a commercial loan. When applying for a consumer loan, your personal financial history will be used to make the majority of the credit decision. Both your personal and corporate financial histories will be scrutinized when you apply for a commercial credit.

  • What are the qualifications of a commercial loan?

    Business Finances

    Commercial real estate loans are typically scrutinized closely since small enterprises are seen as risky, and many fail. Banks and commercial lenders will examine your books to ensure that your company has enough cash flow to repay the loan.


    Your company's debt service coverage ratio, which is defined as your annual net operating income (NOI) divided by your annual total debt service (the amount you'll have to pay back principal and interest on your loan), is likely to be calculated by a lender. A usual requirement is a ratio of 1.25 or higher. If you apply for a $100,000 commercial real estate loan and your company is debt-free, the lender will want to demonstrate that you earn a profit.


    Business Credit

    The lender will also look at your company's credit score to determine your eligibility for a commercial loan and the terms that would apply (interest rate, payback time, and down payment requirement). The SBA 7(a) loan, the government agency's flagship loan program, requires a minimum FICO Small Business Scoring Service (SBSS) credit score of 155, while there are lots of exceptions that allow small firms to acquire a loan with a score lower than that.


    A business entity, such as a limited liability company or a S corporation, should be formed for your small firm. If you default on a real estate loan to a sole proprietorship, it will be regarded personal rather than commercial, putting your personal fortune at danger.


    Contact us to learn more about what determines your ability to secure a loan. 



  • What can be used as collateral for a commercial real estate loan?

    Cash is the most liquid kind of collateral, but other securities such as Treasury bonds, stocks, CDs, and corporate bonds can also be utilized. Real estate, equipment, inventories, and automobiles are examples of tangible assets that are commonly used as collateral. Invoices and receivables can also be used as collateral.

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