Commercial Loan Florida: Retail, Office & Mixed-Use | CambridgeHomeLoan.com
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Commercial Real Estate · Florida

Commercial Loans in Florida

Finance retail, office, industrial, mixed-use, and multifamily property on its income — qualified on NOI and DSCR, not your personal tax returns. Permanent, bridge, and construction options.

  • Income-based (DSCR)
  • Up to ~75% LTV
  • $250K–$100M+
  • Permanent, bridge & construction

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DSCR
Income-based
~75% LTV
Purchase
$250K–$100M+
Loan amounts
Statewide
All of Florida
Quick answer

What is a commercial loan in Florida?

A Florida commercial real estate loan finances income-producing property — retail, office, industrial, mixed-use, and multifamily — underwritten on the property’s net operating income and DSCR. CambridgeHomeLoan.com offers permanent, bridge, and construction financing up to about 75% LTV, from $250K to $100M+.

Financing commercial in Florida? Get an income-based quote.
Apply Now Call 800-826-5077
Free tool

Florida commercial DSCR & cap-rate calculator

Enter the price, NOI, and loan terms to see your DSCR, cap rate, and annual cash flow.

Debt service coverage ratio
1.26
Cap rate 7.50% · Annual debt service $118,739 · Cash flow $31,261/yr

Estimate only. Actual terms depend on the asset, sponsor, rent roll, and program. Get an exact quote →

Deal pencils out? Get a commercial quote.
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What we fund

Florida commercial property we finance

  • Retail & strip centers
  • Office buildings
  • Industrial & warehouse
  • Mixed-use properties
  • Multifamily (5+ units)
  • Self-storage
  • Hospitality & special-use
  • Owner-occupied commercial
Have a property in mind? Tell us about it.
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Requirements

Florida commercial loan requirements

Qualifies onProperty NOI & DSCR (typically 1.20–1.25+)
Max LTVUp to ~75% (property- and program-dependent)
Loan amounts$250K to $100M+
Terms5/7/10-year fixed, ARMs, and bridge/value-add
AmortizationUp to 25–30 years; interest-only options
CreditFlexible — the asset carries the deal
OptionsPermanent, bridge, construction & SBA-style
Property typesRetail, office, industrial, mixed-use, multifamily
Meet the basics? Get a fast quote.
Apply Now Call 800-826-5077
Pros & cons

Commercial loan pros and cons

Advantages

  • Qualify on the property’s income, not your DTI
  • Permanent, bridge, and construction options
  • Up to ~75% LTV with long amortization
  • Value-add & repositioning programs
  • Close in an LLC or entity

Considerations

  • Underwriting hinges on a healthy DSCR
  • Reserves and stronger sponsors price best
  • Coastal insurance affects NOI in Florida
  • Appraisal and environmental review on larger deals
Weighing it up? Talk to a commercial specialist.
Apply Now Call 800-826-5077
FAQ

Florida commercial loan questions

What is a commercial loan in Florida?
A Florida commercial real estate loan finances income-producing property — retail, office, industrial, mixed-use, and multifamily — underwritten mainly on the property’s net operating income and DSCR rather than your personal income.
How is a commercial loan qualified?
On the asset’s cash flow. Lenders divide the NOI by the annual debt service to get the DSCR, typically wanting 1.20–1.25 or higher, along with a reasonable LTV and a capable sponsor.
What LTV can I get on Florida commercial property?
Up to about 75%, depending on the property type, DSCR, and program. Bridge and value-add deals may be structured differently around the business plan.
What property types do you finance?
Retail and strip centers, office, industrial and warehouse, mixed-use, multifamily (5+ units), self-storage, hospitality, and owner-occupied commercial buildings.
Do you offer bridge and construction for commercial?
Yes — alongside permanent financing, we offer bridge and value-add loans to acquire and reposition a property, plus ground-up commercial construction.
How does Florida insurance affect a commercial loan?
Wind and flood premiums sit in operating expenses, which lowers NOI and DSCR — especially on the coasts — so quote coverage early when you underwrite a Florida commercial deal.
Still have questions? Get answers and a quote today.
Apply Now Call 800-826-5077

Finance your Florida commercial property

Income-based approval, up to ~75% LTV, permanent, bridge, and construction options.

Start Your Application
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CambridgeHomeLoan.com · 4830 West Kennedy Blvd, Tampa, FL 33609 · NMLS #1826020 · 800-826-5077 · info@cambridgehomeloan.com. Equal Housing Lender. Commercial loans are business-purpose products underwritten on property income. Rates, terms, and eligibility are subject to change and to borrower and property qualification. This is not a commitment to lend.