Commercial Real Estate
Refinance Loans
Whether your loan is maturing, rates have shifted in your favor, or you're ready to pull equity from a property you've held and improved, refinancing is one of the most powerful tools in a CRE owner's capital stack. Gumption submits your refinance to 700+ competing lenders simultaneously — so you receive multiple offers in days, not weeks. Free to submit and receive term sheets.
About Refinance Loans
A commercial real estate refinance replaces an existing mortgage with a new loan — typically to achieve a lower interest rate, extend the loan term, convert from floating to fixed rate, or access equity built through appreciation or debt paydown. Unlike residential refinancing, commercial refinances are primarily underwritten on the property's income: its DSCR, NOI, occupancy, and asset quality drive terms as much as the borrower's balance sheet.
Refinance structures vary by objective. Rate-and-term refinances reduce cost of capital or reset the amortization clock. Cash-out refinances monetize equity for reinvestment. Bridge-to-perm refinances transition stabilizing assets from short-term floating-rate debt to long-term permanent financing.
Common Reasons to Refinance
- Loan maturity: your current mortgage is coming due and requires payoff or renewal
- Rate environment: benchmark rates (SOFR, Treasury) have improved since your last financing
- Cash-out: you've built equity through appreciation or amortization and want to redeploy capital
- Bridge conversion: transitioning from a bridge loan to a longer-term, lower-rate permanent structure
- Debt restructuring: simplifying a complex capital stack or removing personal recourse
Refinance Loan Types Gumption Can Source
- Permanent financing: 5-, 7-, 10-, 15-, 25 and 30- year fixed-rate loans from banks, credit unions, debt funds, life companies, and CMBS
- Agency refinances: Fannie Mae, Freddie Mac, and HUD for qualifying multifamily properties
- Floating-rate bridge: short-term refinance with extension options for assets in transition
- SBA 504 refinance: below-market fixed rates for owner-occupied commercial properties
- Cash-out refinance: access equity up to 70–75% LTV on stabilized assets
Why Use Gumption for Your Refinance
The lender that holds your current loan is rarely the best lender for your next one. Gumption ensures you see the full market:
- 700+ lenders across banks, credit unions, life companies, debt funds, CMBS, and agency programs
- 4+ competing term sheets in 3 business days — compare rate, LTV, amortization, prepayment structure, and fees side by side
- AI-powered matching that routes your deal to lenders actively competing for your asset class, geography, and loan size
- Dedicated capital markets advisors who understand prepayment mechanics, defeasance, and yield maintenance
- Free to submit and receive term sheets — Gumption charges borrowers an origination fee only when a loan closes with a recommended lender
HOW IT WORKS
How Gumption Gets You the Best Refinance Terms
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