Conventional CRE Loan
Standard bank financing for stabilized commercial property.
- Rates from
- 6.75%*
- Typical term
- 5–20 years
- Min amount
- $250K
- Max amount
- No cap
What is a Conventional CRE Loan?
Conventional commercial real estate loans are the workhorse of the industry — offered by banks, credit unions, and private lenders for stabilized, income-producing property. Expect competitive rates for strong borrowers, terms of 5–20 years, and amortization up to 30 years. Best for well-qualified borrowers with solid property cash flow.
Best for
- Stabilized property
- Refinance
- Strong-credit borrowers
* Rates and terms shown are indicative and vary by lender, borrower, and property. Not a commitment to lend. Subject to credit approval.
Lenders offering Conventional CRE
34 lenders in our directory finance this loan type.
Abacus Federal Savings Bank
Chinatown-founded federal savings bank
A federal savings bank founded in 1984 by leaders from the Chinese community in New York City, with a commercial mortgage program for mixed-use, multi-family, single-use, and underlying co-op properties across Manhattan, Brooklyn, and Queens.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
Amalgamated Bank
New York commercial bank for commercial real estate
A New York-based commercial bank whose commercial real estate group offers acquisition and repositioning financing, term loans, secured credit lines, and affordable multifamily construction and bridge lending, focused on the NYC metro area.
- Loan size
- Contact for details
- Coverage
- All NYC
Amerasia Bank
Flushing-based commercial bank since 1988
A commercial bank established in 1988 in Flushing, Queens, whose commercial real estate financing covers multi-family, mixed-use, office, retail, industrial, and construction, with branches across Queens.
- Loan size
- Contact for details
- Coverage
- 1 boroughs
Apple Bank
New York savings bank for commercial mortgages
The largest state-chartered savings bank in New York, established in 1863. Lends on income-producing property types including multifamily, office, and retail across all five NYC boroughs and surrounding areas.
- Loan size
- Contact for details
- Coverage
- All NYC
Bank of Hope
Commercial bank for multicultural communities
A commercial bank (subsidiary of Hope Bancorp) financing purchase and refinance of commercial real estate and construction across multi-family, industrial, office, retail, and mixed-use, plus SBA 7(a) and 504 lending. NYC branches in Manhattan and Flushing.
- Loan size
- Contact for details
- Coverage
- 2 boroughs
Berkadia
Agency multifamily lender and mortgage banker
A commercial real estate company whose mortgage origination and servicing run through Berkadia Commercial Mortgage — a top Fannie Mae DUS and Freddie Mac lender — with a New York office serving NYC commercial real estate.
- Loan size
- Contact for details
- Coverage
- All NYC
Carver Federal Savings Bank
Harlem-founded community bank and SBA lender
A Harlem-founded federal savings bank operating in New York since 1948, with a commercial real estate program for multifamily (5+ units) and mixed-use property, plus SBA 7(a) and 504 lending.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
Cathay Bank
Chinese-American commercial bank since 1962
A commercial bank founded in 1962 to serve the Chinese-American community, with a commercial real estate and construction program (purchase, refinance, bridge, new construction, mini-permanent) plus SBA 7(a) and 504. Branches in Manhattan, Queens, and Brooklyn.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
ConnectOne Bank
Commercial bank with NYC real estate financing
A commercial bank with New York City branches whose real estate financing covers multifamily, retail, office, industrial, construction, and acquisitions, including large syndications.
- Loan size
- Contact for details
- Coverage
- 2 boroughs
Dime Community Bank
New York bank for multifamily and commercial real estate
A New York commercial bank that finances multifamily and mixed-use properties and offers commercial mortgages, serving customers across New York City and Long Island.
- Loan size
- Contact for details
- Coverage
- All NYC
East West Bank
Commercial real estate lender with NYC branches
A large commercial bank whose real estate program offers construction, bridge, and mini-permanent financing for commercial and multi-family property — plus SBA lending — with branches in Flushing, Queens, and Manhattan.
- Loan size
- Contact for details
- Coverage
- 2 boroughs
First Central Savings Bank
New York savings bank and SBA lender
A New York savings bank (since 1999) whose commercial real estate lending covers multi-family, mixed-use, warehouse, office, and retail, with construction, bridge, and SBA 7(a) programs and six branches in Queens.
- Loan size
- Contact for details
- Coverage
- 1 boroughs
FourLeaf Federal Credit Union
Credit union CRE lender (formerly Bethpage)
The credit union formerly known as Bethpage Federal Credit Union (rebranded FourLeaf in 2025). Its commercial real estate team finances multifamily, mixed-use, retail, and office property for investment and owner-occupied borrowers, with branches including Queens.
- Loan size
- Contact for details
- Coverage
- All NYC
Global Bank
Chinatown-founded New York commercial bank
A New York State-chartered, FDIC-insured commercial bank (since 2007) founded by Chinese-American business people, offering commercial mortgages and commercial lines of credit across all five boroughs. Headquartered in Manhattan Chinatown.
- Loan size
- Contact for details
- Coverage
- All NYC
Greystone
Multifamily and commercial real estate finance
A New York-headquartered commercial real estate finance company specializing in multifamily and healthcare lending, offering agency (Fannie Mae, Freddie Mac, FHA/HUD), CMBS, and bridge financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Hanover Bank
New York community bank for commercial real estate
A New York-chartered community commercial bank (founded 2009) with an investment commercial real estate program — commercial mortgages, multi-family investor mortgages, construction, and bridge loans — and branches in Manhattan, Queens, and Brooklyn.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
IDB Bank
New York commercial bank since 1949
A New York City-headquartered commercial bank whose commercial real estate team finances developers and investors across multifamily, mixed-use, office, retail, and other property types, with acquisition and bridge financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Lower East Side People's Federal Credit Union
Manhattan community-development credit union
A Manhattan-based community-development credit union and CDFI offering commercial real estate loans for NYC buildings, with particular expertise in HDFC cooperatives, condominiums, and co-op buildings.
- Loan size
- Contact for details
- Coverage
- All NYC
Lument
New York-headquartered agency multifamily lender
A New York-headquartered real estate finance firm that lends directly through Fannie Mae, Freddie Mac, and HUD/FHA multifamily programs, plus balance-sheet bridge financing. It has closed New York City agency transactions.
- Loan size
- Contact for details
- Coverage
- All NYC
Madison Realty Capital
New York-based commercial real estate debt fund
A New York City-based real estate private credit manager focused on U.S. commercial real estate lending, originating loans directly across the capital stack — acquisition, transitional (bridge), and construction financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Metropolitan Commercial Bank
New York City commercial bank
A New York City-based commercial bank originating commercial real estate loans across office, multifamily, mixed-use, and other property types, with acquisition, construction, and renovation programs and an SBA 7(a) program.
- Loan size
- Contact for details
- Coverage
- All NYC
Modern Bank
Manhattan national bank for commercial real estate
A national bank headquartered on Park Avenue in Manhattan, providing NYC-metro commercial real estate sponsors with cash-flow-based CRE loans and bridge/transitional financing, with deals across NYC neighborhoods.
- Loan size
- Contact for details
- Coverage
- All NYC
NorthEast Community Bank
Community bank specializing in multifamily and mixed-use
A community bank founded in 1934 specializing in lending to owners and developers of multifamily and mixed-use properties. Offers construction financing, cooperative building loans, and SBA (including 504 real estate) lending across Manhattan, Brooklyn, and the Bronx.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
PCB Bank
SBA Preferred Lender with a Queens branch
A California state-chartered commercial bank (founded 2003) whose commercial real estate program finances the purchase or refinance of commercial or multi-family property, with a construction program and SBA 7(a) and 504 lending. Branch in Bayside, Queens.
- Loan size
- Contact for details
- Coverage
- 1 boroughs
Piermont Bank
New York City commercial bank
A New York City commercial bank lending on commercial real estate across the Greater New York area — multifamily, mixed-use, retail, and industrial — with acquisition, refinancing, and bridge/transitional loans.
- Loan size
- Contact for details
- Coverage
- All NYC
Ponce Bank
Bronx-founded bank, CDFI, and SBA lender
A Bronx-founded bank (1960) and certified CDFI and Minority Depository Institution. Offers commercial real estate loans, construction/development loans, and SBA 7(a) and 504 programs, serving the NYC metro area.
- Loan size
- Contact for details
- Coverage
- All NYC
Popular Bank
New York commercial bank and SBA lender
A commercial bank headquartered in New York (a subsidiary of Popular, Inc.) offering real estate lending for multifamily, mixed-use, and commercial property, commercial construction financing, and SBA 7(a) and 504 loans.
- Loan size
- Contact for details
- Coverage
- All NYC
Ridgewood Savings Bank
New York mutual savings bank for commercial real estate
The largest mutual savings bank in New York State, chartered in 1921 in Ridgewood, Queens. Finances multifamily, mixed-use, office, and retail properties, serving Manhattan, Brooklyn, Queens, and the Bronx.
- Loan size
- Contact for details
- Coverage
- 4 boroughs
Royal Business Bank
Asian-community commercial bank and SBA lender
A commercial bank serving predominantly Asian communities (the surviving brand after acquiring First American International Bank), financing multifamily, hotel, office, and retail — purchase, construction, and refinance — plus SBA 7(a) and 504. NYC branches in Brooklyn, Queens, and Manhattan.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
Shinhan Bank America
Manhattan commercial bank and SBA lender
A commercial bank headquartered in Manhattan whose commercial real estate program finances acquisition, refinancing, and renovation of apartment (5+ unit), office, retail, and hotel properties, plus SBA 7(a) lending. Branches in Manhattan and Queens.
- Loan size
- Contact for details
- Coverage
- 2 boroughs
Spring Bank
Bronx-based community bank and CDFI
An FDIC-insured community bank headquartered in the Bronx and a U.S. Treasury-certified CDFI. Offers conventional commercial mortgages and SBA 7(a) and 504 loans for owner-occupied, multifamily, and mixed-use property.
- Loan size
- Contact for details
- Coverage
- All NYC
TruFund Financial Services
Nonprofit CDFI for small businesses
A national 501(c)(3) certified CDFI headquartered in New York City, established in 2005. In New York it offers an SBA Community Advantage (7a) loan and a Real Estate Acquisition Program (RAP), among other small-business products.
- Loan size
- Contact for details
- Coverage
- All NYC
Valley National Bank
National bank for commercial real estate lending
A national bank with over 95 years of commercial real estate lending experience, offering permanent, construction-to-permanent, bridge, co-op, and land loans on property types including apartment buildings, mixed-use, retail, and office. It operates branches across New York City.
- Loan size
- Contact for details
- Coverage
- All NYC
Woori America Bank
New York commercial bank and SBA lender
A New York-headquartered commercial bank (since 1984, a U.S. subsidiary of Woori Bank of Korea) whose commercial mortgage program finances multifamily, mixed-use, office, retail, and more, plus SBA 7(a) and 504 lending. Branches in Manhattan and Queens.
- Loan size
- Contact for details
- Coverage
- 2 boroughs