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Commercial Property Loans from Bank of Old Monroe

Whether you are buying space for a new business or upgrading to accommodate growth, we offer several financing options for property types of all kinds, including industrial, rental, commercial office, self-storage facilities, and retail. Bank of Old Monroe is committed to helping our customers capitalize on their real estate opportunities. We offer customized solutions and competitive rates to meet individual business needs.

We know you’re constantly on the go. Therefore, we’ve created a full-service commercial real estate solution for you that includes lending, account management, complimentary online banking services, and a business banking mobile app. Rest assured your business is in good hands!

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What Is Commercial Real Estate Financing?

Commercial real estate loans finance the acquisition, development, or construction of income-producing properties used solely for business purposes. Whether purchasing property to build a new facility or renovating an existing building, a commercial real estate loan can help you bring your dreams to life.

Types of properties commonly financed by commercial real estate loans include:

  • Office buildings
  • Retail shops
  • Apartment complexes
  • Hotels
  • Warehouses
  • Shopping centers
  • Industrial buildings
  • Undeveloped land

Types of Commercial Real Estate Loans

At Bank of Old Monroe, we offer several commercial real estate loans to help fuel your business’s future. Our team of dedicated commercial lending experts can assist you with any of the following:

Traditional Lines of Credit

Traditional lines of credit can significantly assist businesses with short-term expenses. A predetermined dollar amount serves as the limit, and you can request a draw from the line at any time to cover costs. Once you’ve repaid the initial credit, you are able to redraw the funds up to the predetermined dollar amount.

Rental Property Loans

Whether you’re in the business of flipping houses or property management, commercial real estate loans can help you finance various properties intended for rent. Also known as an investment property loan, rental properties can range from fixer-upper homes to multi-unit apartment complexes. Commercial real estate loans can assist you with financing so long as you don’t plan to reside in the property.

Equipment Loans

Industrial loans can help you purchase large pieces of expensive machinery, vehicles, or other equipment for your business. Whatever assets your company needs to turn a profit or increase margins, an equipment loan has you covered.

Commercial Office Building Loans

Looking to purchase or renovate an office building that will take your company to the next level? Commercial real estate loans finance the purchase and renovation of office buildings such as medical centers, high rises, multi-tenant properties, and more.

Retail Building Loans

Whether you’re seeking a loan for retail property renovations or a permanent purchase, our commercial lending team has you covered. We’ll help you finance the renovations, development, and acquisition of retail centers such as single-tenant buildings, shopping malls, big box store locations, and more.

Mixed-Use Loans

Commercial real estate investors leverage mixed-use loans when financing buildings zoned for multiple purposes. Any property with at least two types of zoning labels (residential, commercial, institutional, or industrial) qualifies for a mixed-use loan. If you’re looking for a mix of residential and commercial tenants or a two-unit live and work space, a commercial mixed-use loan is for you.

Land Development Loans

Land development loans cover the purchasing and selling of undeveloped land. Like a mortgage, advancement funds handle all improvements to convert the land into construction-ready sites. Then, construction on buildings such as offices or shopping centers can begin.

Residential Neighborhood Development Loans

Also known as a subdivision or land acquisition loan, residential neighborhood development loans allow borrowers to complete various activities for construction. Once you purchase the land with the help of a loan, you can install infrastructure such as sewers, electricity, and roads in addition to utilities. Whether you wish to divide the available land and sell to a developer or construct homes, a commercial loan can help.

Warehouse Loans

As e-commerce grows, proper warehousing becomes an even more prominent necessity. Adequate, sometimes dry or temperature-controlled spaces must store products, goods, merchandise, and more. Companies with ever-booming e-commerce sales can greatly benefit from commercial warehousing loan financing. You can expand your business with proper funding if you seek storage, packaging, manufacturing, or research centers.

Operating Line of Credit

Looking for flexible finances? Commercial operating lines of credit provide businesses with many benefits. Similar to a traditional line of credit, operating lines of credit allow borrowers the freedom of drawing funds and repaying at their discretion. Operating lines of credit revolve. Once you have repaid the initial credit, you are then able to redraw the funds up to the predetermined dollar amount.  Our expert commercial lenders can assist you in choosing the option best for you.

Preparing a Commercial Real Estate Loan Application

Although the application process varies from one commercial real estate loan to another, you can expect to provide the same critical information. Depending on the loan option you choose, you will likely need to have other pieces of information at your disposal, but the following items remain relatively standard:

  • Books, records, financial statements
  • Company tax returns
  • Business plan
  • At least three months of bank statements
  • Collateral details

The team of commercial lenders at Bank of Old Monroe will guide you through the loan application process. We’re well-versed in the complexities, details, and nuances of commercial lending, and our experts will ensure you have everything you need to accomplish your goals.

Buy, Refinance, Renovate, or Expand Your Business

The Bank of Old Monroe is your local community partner. We value our local businesses; therefore, we take pride in our numerous commercial real estate loan solutions. We strive to help your company grow. Contact your local branch or get in touch with one of our friendly commercial lenders today!

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Meet Our Commercial Lending Team

We invite you to meet our commercial lending staff to learn more about various commercial lending programs that align with your business growth strategy.

*Please do not send sensitive information via email.

Matthew Bals
Moscow Mills

Email

Matt Daniels
Wentzville/O’Fallon

Email

Matt Arnold
Troy/Old Monroe

Email

Dave Vandeven
O’Fallon/Wentzville

Email

Amortization Schedule

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Visit Bank of Old Monroe

To get started on a customized solution, visit one of our five branch locations in Old Monroe, Moscow Mills, Wentzville, O’Fallon, or Troy.

Required documents may be dependent upon the business structure (i.e. LLC, corporation, partnership, etc.).

Please contact your branch location for details.

We Offer Mobile Banking

Manage your finances on the go with the Bank of Old Monroe app! Our app allows you to view transactions, transfer funds, pay bills, deposit checks and more! To discover all the ways our app can benefit you, visit your app store and search “Bank of Old Monroe” to download.

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