Investor Financing

Commercial Real Estate Financing For Investors & Business Owners Nationwide

At IGR Mortgage Services we have Commercial Real Estate Financing for short term "bridge loan" scenarios and long term loans for investors who are building wealth with a buy and hold strategy. If you are looking to purchase or refinance a commercial, mixed-use or business property we have the programs that will provide you with a hassle-free loan experience.

We provide a wide-range of commercial real estate loans to investors and business owners throughout the Pacific Northwest and Nationwide. Many of our programs have flexible underwriting with reduced documentation compared to institutional lenders. When you contact us about your commercial financing needs, chances are we can tailor a loan that is best for your property type and situation.

Submit Your Deal 📞 503-504-2660
20–40Day Close
Up to 80%Max LTV
$100K+Loan Amount
650+Min Credit

Commercial Loan Quick Terms

Product TypesBridge · Term · Hard Money
Min. Credit Score650 (exceptions OK)
Down Payment20–25% Typical
Max LTV (Bridge)Up to 75%
Max LTV (Term)Up to 80%
Min. Loan Amount$100,000
Rate (Bridge)8 – 15%
Rate (Term)From mid 6's%
Closing Timeline20–40 Days
Foreign NationalOK
No-Doc OptionAvailable
Send Loan Scenario →
Understanding Commercial Financing

What Is Commercial Real Estate Financing?

IGR offers bridge loans for short-term needs, term loans for long-term holds, and small balance CRE loans purpose-built for deals under $2M. All programs feature flexible underwriting, reduced documentation, and faster closings than institutional lenders.

Commercial Bridge Loans

For Short Term Situations

  • Loan Amounts $50K to $10M+
  • Loan To Value Ratio to 75%
  • Interest Rates 8 – 15%
  • Term 6 to 24 Months
  • Interest Only Payments
  • FICO Scores 650+ (exceptions)
  • Flexible Underwriting
  • Purchase, Refinance, Cash Out
  • Foreign National Okay
  • Office, Retail, Warehouse, Industrial
  • All Scenarios Considered

Commercial Term Loans

For Long Term Investors / Businesses

  • Loan Amounts $100K to $10M+
  • Loan To Value Ratio to 80%
  • Rates From mid 6's%
  • 5/1 & 7/1 ARM's, 20–25 Year Fixed
  • Interest Only Option
  • FICO Scores 650+
  • Flexible Debt Service Ratios
  • Purchase, Refinance, Cash Out
  • Foreign National Okay
  • Office, Retail, Warehouse, Industrial
  • All Scenarios Considered
Send Us Your Scenario 📞 Call Now: 503-504-2660
Why Investors Choose Us

Features of IGR Commercial Real Estate Financing

Whether your strategy is to acquire, refi, bridge to stabilization, or hold for long-term income — our streamlined process keeps capital flowing and your deal on track.

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Reduced Documentation

Stated income and no-doc options available. No W-2s, pay stubs, or tax returns on select programs. The property carries the loan.

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Fast Closings (20–40 Days)

Move faster than institutional lenders. Our in-house underwriting cuts weeks off the process — a real edge in competitive markets.

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Wide Property Eligibility

Office, retail, warehouse, industrial, self-storage, multifamily, mixed-use, senior living, cannabis, hotels, and special-use — all considered.

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Hard Money Options

For outside-the-box deals that don't fit conventional programs. We have hard money commercial options for unique situations and properties.

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No Waiting Periods

Past bankruptcy, foreclosure, or short sale? No mandatory waiting period. We can close the day after a credit event.

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Nationwide Lending

Pacific Northwest and nationally. Self-employed, foreign nationals, and business owners all welcome. Send us your scenario.

Do You Qualify?

Commercial Real Estate Loan Guidelines

Our commercial loans are available to investors and business owners of every profile. We evaluate the deal and the property — not just the borrower.

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Experience

Experienced investors receive best pricing and leverage. First-time commercial borrowers considered with strong property fundamentals and mitigating factors.

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Credit Score

Minimum 650 FICO for most programs. Exceptions considered case-by-case. Recent bankruptcies and foreclosures reviewed — no mandatory waiting periods.

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Down Payment / Equity

Bridge loans typically 25% down (75% LTV). Term and small balance loans up to 80% LTV. Varies by property type, market, and program selected.

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Property Type

Office, retail, strip malls, warehouse, industrial, self-storage, multifamily (5+ units), mixed-use, senior living, cannabis, hotels, and special-use. All scenarios reviewed.

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Loan-to-Value (LTV)

Bridge loans up to 75% LTV. Term and small balance loans up to 80% LTV based on current as-is value or stabilized value depending on the program.

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Income and Reserves

Some programs use stated income and bank statements to qualify. Reserves are 20% down and 6 months payments.

Not sure if you qualify? Send us your loan scenario and we'll review it for free.

Run the Numbers

Commercial Loan Calculator

Enter your loan details below to estimate loan amount, payment amount, monthly payment, and remaining balance at end of term.

Loan Inputs

Fill in all fields and click Calculate.

Loan Results

Your estimates will appear here after you click Calculate.

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Enter your loan details on the left and click Calculate to see your estimated loan amount, monthly payment, and remaining balance.

→ Get a Custom Quote from IGR

Eligible Properties

IGR Mortgage Finances These Commercial Property Types

We provide commercial real estate financing on a wide range of income-producing and business-use properties throughout the Pacific Northwest and Nationwide.

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Office Buildings

Single-tenant, multi-tenant, and professional office

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Retail & Strip Malls

Strip centers, neighborhood retail, anchored centers

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Warehouse & Industrial

Light industrial, flex space, distribution, manufacturing

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Self-Storage

Climate-controlled and traditional storage facilities

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Multifamily (5+ Units)

Apartment buildings and mid-size complexes

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Mixed-Use

Retail-residential and office-residential blends

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Senior Living

Assisted living, memory care, independent living

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Cannabis

Licensed cannabis facilities and dispensaries

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Hotels & Motels

Hospitality properties and short-term rental facilities

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Special Use

C-Stores, car washes, restaurants, bowling alleys

Common Questions

Commercial Real Estate Financing FAQ

Everything investors and business owners ask about our commercial loan programs.

IGR offers three core commercial programs: (1) Commercial Bridge Loans for short-term needs (6–24 months, interest-only), (2) Commercial Term Loans for long-term investors with 5/1 ARM, 7/1 ARM, or 20–25 year fixed options, and (3) Hard Money Commercial Loans for outside-the-box deals that don't fit conventional programs. All programs are available nationally.
A bridge loan is short-term financing (6–24 months) used to acquire or stabilize a property quickly — when a bank can't move fast enough, or when a property needs to be rehabbed or repositioned before permanent financing makes sense. A term loan is longer-term financing (up to 25 years) for investors or business owners holding a property for income. Bridge loans carry higher rates but close faster with more flexible underwriting.
Not always. We offer stated income programs using bank statements to qualify for many commercial scenarios. This is a significant advantage for self-employed investors and business owners whose personal income doesn't reflect their actual financial strength. Reserves are typically 20% down and 6 months of payments.
Yes. Unlike institutional lenders that impose waiting periods of 2–7 years, IGR has no mandatory waiting period requirements. We evaluate the current deal on its merits rather than penalizing borrowers for past credit challenges. Call us to discuss your specific situation.
Yes. IGR considers financing for licensed cannabis facilities and dispensaries. Cannabis real estate is a specialty niche that most conventional lenders decline — but it's the type of outside-the-box scenario where our flexible programs are a strong fit. Call us to discuss your specific property and licensing situation.
Yes. We provide commercial financing for hotels, motels, and short-term rental properties. Hospitality financing requires lenders with experience in the space — IGR has programs suited for both acquisition and refinance of hospitality assets. Contact us with your property details.
Our average commercial loan closes in 20–40 days — significantly faster than most banks, which typically take 60–120 days. Speed is a competitive advantage in commercial real estate, and our streamlined in-house process is designed to move as quickly as your deal requires.
Yes. IGR welcomes foreign national borrowers on our commercial loan programs. Our flexible underwriting does not require U.S. credit scores or domestic tax history to evaluate a deal. Call us to discuss your specific scenario and we'll identify the right program for your situation.

Ready to Finance Your Next Commercial Property?

IGR Mortgage Services has been providing real estate loans to investors and business owners in the Pacific Northwest and nationwide for over 30 years. Let's talk about your commercial real estate financing today — fast approvals, flexible terms, competitive rates.

Submit Your Deal 📞 Call 503-504-2660

Loans for investment and business purposes only. Not available for owner-occupied primary residences.
IGR Mortgage Services | Portland, Oregon