Asset Class
Office Building Loans & Refinancing
RAD Capital Group advises office owners on acquisition and refinance financing, matching the property's lease profile, capital needs and business plan to available lenders nationwide.
Loan Uses
Acquisition & refinance
Property Types
Leased & owner-occupied
Capital Sources
Bank, bridge & CMBS
Owner-Users
SBA eligibility review
Key Review
Income & lease rollover
Coverage
Nationwide advisory
Office building financing is driven by sustainable rental income, tenant credit and lease durability. Lenders review physical and economic occupancy, lease expirations, concessions and the costs needed to retain or replace tenants. A building's location and current income matter more than an assumed return to full occupancy.
Stabilized leased office properties can be evaluated for bank, life-company or CMBS loans. A lease-up, renovation or repositioning plan may require bridge debt. An eligible operating business purchasing or refinancing its own office space may also consider SBA financing, subject to occupancy and program requirements.
RAD Capital Group is a borrower advisor, not a direct lender. We help compare available structures and present the property's actual cash flow and leasing plan; approval and terms remain subject to lender underwriting.
Office refinance with vacancy or lease rollover
Begin with the existing maturity date and realistic proceeds supported by current income. Model tenant-improvement costs, leasing commissions, free rent and operating reserves. If permanent debt is not available, evaluate whether a bridge structure and credible leasing plan can support the refinance rather than assuming vacant space will lease immediately.
Documents for an office loan review
Send operating statements, the rent roll, major leases, a lease-expiration schedule, tenant-improvement and leasing budgets, the existing loan statement and sponsor background. For owner-occupied offices, include business financials and the occupied-space breakdown.
Related Financing
Loan Product
Commercial Refinance
Rate-and-term and cash-out refinancing for stabilized and transitional commercial assets — including maturing CMBS, bank, and bridge debt — placed nationwide.
Loan Product
CMBS Loans
Fixed-rate, non-recourse commercial mortgage-backed securities (CMBS) financing for stabilized hotels, retail, office, multifamily, industrial, and self-storage properties.
Loan Product
Bridge Loans
Short-term commercial bridge financing for acquisitions, value-add repositioning, and time-sensitive recapitalizations — placed with 150+ direct bridge lenders nationwide.
Loan Product
SBA Loans (504 & 7(a))
Government-backed SBA 504 and SBA 7(a) financing for owner-occupied commercial real estate — up to 90% LTV with 20–25 year amortization in all 50 states.
Asset Class
Retail Property Financing
Bridge, CMBS, bank, and life-co financing for single-tenant net lease (NNN), strip centers, grocery-anchored shopping centers, and mixed-use retail across all 50 states.
Asset Class
Multifamily Financing
Agency, bridge, CMBS, and construction loans for multifamily — conventional apartments, affordable housing, student housing, senior housing, and workforce housing in every U.S. market.
Ready to explore office property financing?
Nationwide borrower advisory. Terms subject to lender review.