Commercial Real Estate Loans in Pennsylvania

Dynamic Funding Solutions, Inc. is a licensed mortgage and funding company (NMLS #17144) based in Huntingdon Valley, Pennsylvania, serving Pennsylvania and Florida. The team is led by Lena Polnet (NMLS #17225). See how our loan process works or call (215) 364-7171.

What is a commercial real estate loan?

A commercial real estate loan finances property used to produce income rather than a primary residence. That includes office buildings, retail centers, industrial and warehouse space, multifamily apartment buildings, and mixed-use property. Lenders look at the property’s income, your experience, and the overall deal, and terms vary widely by property type and lender.

Commercial property we help finance in Pennsylvania

• Office and retail: single-tenant and multi-tenant commercial buildings.
• Industrial and warehouse: distribution, flex, and light-industrial space.
• Multifamily: apartment buildings and larger residential income property.
• Mixed-use: property that combines commercial and residential space.

For owner-occupied commercial property, an SBA loan may also fit, and for fast, asset-based deals see our hard money loans. We help you compare the options.

How Dynamic Funding Solutions helps

We work with commercial lenders and match your property and plan to the one whose criteria fit. We help you package the deal, present it clearly, and compare terms across lenders, so you are not contacting each one on your own.

The commercial real estate loan process

1. Consultation. We review the property, its income, and your goals.
2. Deal package. We help you assemble financials, leases, and property details.
3. Lender matching. We take the file to commercial lenders whose terms fit.
4. Underwriting and closing. The lender reviews the deal, and you close on agreed terms.

Commercial real estate loans across Pennsylvania

We help owners and investors throughout Pennsylvania, including Philadelphia, Bucks County, Montgomery County, the Lehigh Valley, and the surrounding region. Investors holding rental property may also look at our DSCR loans and home loan options.

What commercial lenders look for

Commercial underwriting centers on the property and the deal, not just the borrower. Lenders weigh the net operating income of the building, the debt-service coverage ratio (how comfortably the income covers the loan payment), the loan-to-value, the condition and location of the property, and your experience as an owner or investor. For multifamily and investment property, the income the property produces usually carries more weight than your personal salary. We help you present these numbers clearly so a lender can move on a complete file.

Buying, refinancing, or building

Commercial financing covers more than a straight purchase. Owners refinance to pull equity out of a building, to lower a payment, or to replace a maturing loan. Investors finance value-add projects and, in some cases, ground-up construction. Each path has different lender appetites, and part of our job is steering your deal to the lenders who actually fund that type of project in Pennsylvania.

Frequently asked questions about commercial real estate loans

Is Dynamic Funding Solutions a commercial lender or a broker?

Dynamic Funding Solutions is a broker and funding partner. We do not issue commercial real estate loans ourselves. We connect Pennsylvania owners and investors with commercial lenders and guide them through the deal.

What types of commercial property can be financed?

Common types include office, retail, industrial and warehouse, multifamily apartment buildings, and mixed-use property. Each type has different lender preferences, which is part of what we help you navigate.

What is the difference between a commercial loan and an SBA loan?

An SBA 504 loan is partially guaranteed by the U.S. Small Business Administration and is often used for owner-occupied property and business needs. A conventional commercial real estate loan is funded by the lender without an SBA guarantee and is common for investment property. We help you decide which path fits your situation.

What do commercial lenders look at?

Lenders weigh the property’s income, your experience and financial strength, the loan-to-value, and the overall deal. A clear, well-documented file improves your options.

How do I start a commercial real estate loan?

Start with a free consultation. Call (215) 364-7171, and we will tell you what to gather and take your deal to the right lenders.

Get started with a commercial real estate loan in Pennsylvania

If you are buying, refinancing, or building commercial property in Pennsylvania, talk with Dynamic Funding Solutions about your financing. Call (215) 364-7171 to speak with a specialist.