COMMERCIAL LOANS
Commercial real estate financing built for work.
Cumberland Mortgage Works underwrites commercial property loans for businesses that need capital to buy, build, or refinance. We review each deal on its merits. No templated decisions. No hidden layers. You get a straightforward process with a team that understands your property and your timeline.
Commercial loan types we underwrite
We structure loans around your property and business. Each loan is underwritten individually. Terms vary by property type, loan-to-value ratio, and cash flow. Work with us to find the right fit for your deal.
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Fixed-Rate Commercial Mortgages
Multi-year terms with a rate that does not change. Suitable for investors and operators with stable cash flow and long-term hold strategies. Typical terms run from five to twenty years.
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Adjustable-Rate Commercial Mortgages
Rates adjust periodically after an initial fixed period. Lower initial costs may suit borrowers planning shorter hold periods or refinancing at market windows.
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Interest-Only Commercial Mortgages
Pay interest for an initial period, then amortize principal over the remaining term. Useful during lease-up phases or construction completion periods before stabilized income arrives.
How commercial financing works with us
We keep the process clear and direct. No surprise fees. No unnecessary delays. You submit your information, we underwrite your deal, and you get a decision based on the numbers.
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Underwriting
Submit your application, property details, and financial statements. Our team reviews cash flow, debt service coverage, property condition, and market position. We ask for what we need and nothing extra.
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Terms and Closing
Receive a commitment letter that outlines rate, term, loan amount, and conditions. Legal and title work proceeds on parallel track. Closing happens when all conditions clear and documents are ready.
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Ongoing Service
Pay your loan through our payment system. Contact our servicing team with questions about your account. Refinancing options are available when your property or business situation changes.
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Commercial Lending Office
Reach our commercial lending team by phone, email, or office visit. We work with borrowers across multiple time zones and keep flexible hours for deal discussions.
Get in touch
- Phone (615) 555-0164
- Fax (555) 201-4789
- Email wizard-v3-msop3lo8@example.test
Hours
- Monday – Friday 8:00 AM – 6:00 PM
- Saturday 9:00 AM – 2:00 PM
- Sunday Closed