* Today's commercial loan rates displayed above are only provided as a general guide. 

Commercial loan rates depend on many factors including borrower financial strength, loan-to-value (LTV), property type, location and debt service coverage ratio (DSCR). 

Conventional commercial mortgages offered by banks and credit unions generally require underwriting of personal tax returns as well as personal guarantees. 

Commercial hard money loans are provided by private lenders for commercial loans that do not qualify for bank funding. Reasons may include property type issues, borrower financial issues and time constraints. 

Commercial hard money rates usually start at 12% and up.