Two key percentages drive every commercial loan: the interest rate and the loan-to-value ratio (LTV). Understanding both is essential to evaluating any commercial deal.
Commercial Loan Interest Rate Percentages
- Hard Money / Bridge: 9% – 13% annually
- DSCR / Rental: 7% – 9% annually
- SBA 504: 6% – 7% annually
- Stated Income: 8% – 11% annually
- Construction: 10% – 13% annually
Loan-to-Value (LTV) Percentages
- Hard Money: up to 65-70% LTV
- DSCR Loans: up to 75-80% LTV
- SBA 504: up to 90% LTV (with SBA guarantee)
- Conventional Commercial: up to 75% LTV
- Construction: up to 85% of total project cost
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