Owner-Occupied Commercial Real Estate Loans


A commercial loan designed to fit your budget

Every small business owner looking to purchase, build, develop, or refinance property has a unique set of needs. At BBVA, we offer a variety of fixed and variable commercial loans in terms ranging from five to 25 years. So no matter your project, we have a solution to fit your needs.


Big project, long terms

Get long-term financing for additional working capital or to purchase equipment, expand facilities, or acquire business real estate.


85% loan-to-value

Maximum loan-to-value is 85%, with a low 1% origination fee, for first mortgage liens on owner-occupied commercial real estate property only.

Loan financing options

Pick a term that fits your project, with fixed or variable terms available—ranging from five to 25 years, and loan amounts of $25,000 and up. Plus, no balloon payments. 


Is the loan intended for businesses that are willing to get a loan to buy, refinance or build commercial real estate?

Correct. Real Estate loans can be used to buy a new property, to refinance a current property or to construct a new property.


Construction Loans

Benefits Include:
  • Loans have a one time closing
  • Draws must be made over 12 months
  • Competitive low rates
  • Owner occupied means the business must consume 51% or more of the square footage. Note: Non-Owner Occupied Commercial Real Estate Loans available on certain property types at less than 60% LTV, contact a BBVA Business Relationship Manager for details.

How is this different from Construction loans?

Construction loans are used for the sole purpose of constructing a new property. Typically there is a 12-month draw period that allows the customer to make interest payments only during the construction phase as they draw down on the loan. Once the construction is complete, the loan automatically converts to a permanent fixed term loan with principal & interest payments due that are amortized over the remaining term of the loan.

Commercial Real Estate Line of Credit

Best for businesses who don’t need to refinance but need access to cash for shorter term capital.

Benefits Include:
  • Variable Rate tied to BBVA USAs Prime
  • 80% Loan to Value (LTV) Maximum
  • 84 month renewals (7 years)
  • Must be owner occupied



Frequently asked questions

How do commercial real estate loans work?

CRE loans are mortgage loans secured by liens on the CRE you are purchasing. Before funding the loan, lenders will typically require a down payment. These loans are either intermediate-term or long-term loans. Learn more here.

What are the commercial real estate loan requirements?

Typical information you may need to supply includes: Loan application, 4506Cs, 2-3 years of business and personal tax returns, interim financial statements, personal financial statement, purchase contract if buying a new property and business debt schedule. Learn more here.

How do I apply for a commercial real estate loan?

To apply for a BBVA business loan please connect with a local business banker. You can get started by clicking here.

Details you need to make a smart decision

Commercial Real Estate Loans: All loans subject to eligibility, collateral and underwriting requirements, and approval, including credit approval. Maximum loan to value is 85%. Customer pays 1% origination fee and any applicable costs or fees unless otherwise noted. Offer available for first mortgage liens on owner-occupied commercial real estate property only. A prepayment penalty will apply during the first 5 years of the loan. A prepayment penalty will not be assessed if the property is sold, refinanced with BBVA, or is paid off after five years. All rates, fees, and offers subject to change without notice. 

All loans subject to approval, including credit approval.