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A Commercial Real Estate (CRE) loan will provide the funds needed to acquire, renovate, build, or expand your commercial property. We offer a wide variety of CRE loans across a diversity platform Our commercial advisors are here to help you find a loan with the repayment plan and terms that best align with your business goals and strategy.
Have you ever wondered the value of your business? Do you know how much you need to sell to make a profit, the best price to sell your products, or the amount of inventory you should hold? Run the numbers using our calculators below.
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Valuation
Breakeven
Analysis
Inventory
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If you occupy less than 50% of your property’s leasable space, a commercial investment loan might be right for you. The most common commercial investment property types are: office, retail, industrial/warehouse, self-storage, and hospitality, although we will consider other property types on a case-by-case basis.
We offer the following three types of investment loans.
We’ll always go the extra-mile for our client relationships, and ensure we’re acting in their best interest.
A commercial real estate (CRE) loan provides financing to acquire, construct, renovate, refinance, or expand business-owned real estate properties. These loans can be used for office buildings, retail centers, industrial facilities, medical offices, and other commercial properties.
Cogent Bank finances a wide range of commercial property types, including office buildings, retail spaces, industrial properties, mixed-use developments, healthcare facilities, and owner-occupied business properties.
Yes. Commercial real estate loans can be used to purchase a new property for your business, helping you establish a permanent location and build equity rather than continuing to lease space.
Yes. Commercial real estate financing may be used to renovate, modernize, expand, or improve an existing commercial property, allowing businesses to better meet operational needs and support future growth.
Yes. Commercial real estate financing can support the construction of new commercial facilities as well as major expansion projects for existing properties.
A community bank like Cogent Bank provides local decision-making, personalized service, and relationship-based lending. This often results in more responsive communication and financing solutions tailored to your business objectives.
A commercial real estate loan may be a good fit if your business is looking to purchase property, refinance an existing mortgage, expand operations, or invest in improvements that support long-term growth. A Cogent Bank relationship manager can help evaluate your needs and financing options.
Yes. Businesses may use commercial real estate financing to refinance an existing property loan, potentially improving cash flow, accessing equity, or restructuring loan terms.
Yes. In addition to commercial real estate financing, Cogent Bank offers SBA lending, USDA lending, business lines of credit, and business term loans to support a variety of business financing needs.
A commercial real estate loan is typically used for purchasing, constructing, or improving property, while a business line of credit provides flexible access to working capital for ongoing operational expenses and short-term funding needs.
Yes. Small businesses can often qualify for commercial real estate financing, and some borrowers may also benefit from SBA-backed loan programs that support real estate purchases and long-term business growth.
Applicants are generally asked to provide information about the property, business financials, ownership structure, and future plans for the property. A Cogent Bank lender can guide you through the specific documentation requirements.
Yes. In addition to traditional commercial real estate lending, Cogent Bank offers specialized financing solutions through its National Net Lease Finance group for qualifying investment properties leased to strong-credit tenants.
The first step is to connect with a Cogent Bank commercial lending specialist. They can discuss your financing goals, review your project, and help identify the lending solution that best fits your business needs.