Commercial Lending
Financing for real estate, investment, and business growth
Financing availability and terms depend on the borrower, property, transaction, and lender requirements. Peter helps you navigate the options that fit.
Financing categories
Commercial Real Estate
Owner-occupied and investor CRE financing across property types.
Learn moreMultifamily Properties
Loans for apartment buildings and mixed-use residential projects.
Learn moreInvestment Properties
Financing structured around cash flow and long-term investment goals.
Learn moreOffice Properties
Purchase, refinance, or reposition office assets.
Learn moreRetail Properties
Retail centers, single-tenant, and mixed-retail financing options.
Learn moreIndustrial Properties
Warehouse, distribution, and light-industrial financing.
Learn moreBusiness Acquisition Financing
Funding to acquire an existing business or partner buyout.
Learn moreSBA Financing Options
SBA 7(a), 504, and related program options for eligible borrowers.
Learn moreApply Now
Download the Commercial Loan Application
Commercial financing starts with our commercial loan application. Download it, complete and sign it, then email the finished PDF to Peter Witte and he'll review your scenario and shop lenders.
1. Download
Save the fillable PDF application to your device.
2. Complete
Fill it out and sign — include any requested supporting documents.
3. Email it back
Send the completed application to pwitte@360us.org.
Email your completed application to pwitte@360us.org. Do not send Social Security numbers or bank credentials over unsecured email — Peter will provide a secure upload link if needed.
Schedule a consultation with Peter
Pick a time that works for you and we’ll discuss your commercial financing needs.
Florida Commercial Lending
Commercial real estate and business financing across Florida
Witte Mortgage arranges commercial real estate loans, multifamily financing, and business acquisition capital for investors, developers, and operators throughout Florida. From single-tenant retail in Tampa to multifamily portfolios in Orlando, mixed-use projects in Miami, industrial warehouses in Jacksonville, and hospitality assets on the Gulf Coast — we structure debt around the deal, not the other way around.
As an independent broker, Peter shops bank, credit union, agency (Fannie Mae, Freddie Mac), CMBS, life company, bridge, and private-lender programs so you see terms that actually compete. That includes DSCR loans for rental portfolios, SBA 7(a) and 504 for owner-occupied CRE, construction and construction-to-permanent takeouts, and cash-out refinances that free capital for your next acquisition.
Every commercial financing package starts with your business plan, rent roll, and pro forma. From there we align lender appetite with your leverage, timeline, and prepay flexibility so closing is smooth from application through funding.
Commercial financing built around your deal
CRE purchase & refinance
Retail, office, industrial, medical, mixed-use, and single-tenant net-lease financing statewide.
Multifamily (5+ units)
Agency, bank, and bridge debt for stabilized and value-add apartment properties.
SBA 7(a) & 504
Owner-occupied CRE, business acquisition, and expansion financing with as little as 10% down.
DSCR & investor loans
No-income-verification loans qualified on the property's cash flow — ideal for growing rental portfolios.
Bridge & value-add
Short-term capital for repositioning, lease-up, and heavy renovation before permanent takeout.
Construction financing
Ground-up construction and construction-to-perm loans for developers and owner-users.
Commercial lending across Florida markets
Florida-based, statewide coverage — from primary metros to secondary and tertiary markets.
FAQs
Commercial loan FAQs
How much down payment do I need for a commercial property in Florida?+
Bank CRE loans typically require 20–30% down, SBA 504 as little as 10% for owner-occupied, and bridge/private loans can go higher-leverage against value. Multifamily agency loans often allow 20–25% down for stabilized assets.
What is a DSCR loan and does my property qualify?+
DSCR (Debt Service Coverage Ratio) loans qualify off the property's rental income rather than your personal tax returns. Most programs require a DSCR of 1.0–1.25x, meaning rent covers the mortgage payment. Great for growing investor portfolios.
Do you finance out-of-state investors buying in Florida?+
Yes. Many of our multifamily and DSCR clients live outside Florida and invest in Tampa, Orlando, Jacksonville, and South Florida markets. Foreign national programs are also available.
How long does commercial closing take?+
Bank and agency CRE loans typically close in 45–75 days. Bridge and private-lender deals can close in 2–4 weeks when the file is clean. SBA loans usually run 60–90 days.
Can I use an SBA loan to buy a business in Florida?+
Yes — SBA 7(a) is the most common program for acquiring an existing business, including partner buyouts and business+real estate combinations. Peter walks you through eligibility, documentation, and lender selection.