Commercial Real Estate Financing
Direct Decisions. Experienced Lenders.
First National is a direct commercial real estate lender with more than four decades of financing experience. We specialize in transactions that require experienced underwriting, direct access to decision-makers, and an understanding of complex and specialized properties.
One Step Ahead
An Experienced Perspective on Your Property
Every commercial property has its own financing considerations. First National evaluates the real estate, operating performance and borrower’s objectives to understand each proposed transaction.
From traditional income-producing properties to hotels, golf courses, marinas and senior housing, our team brings experience in both the property and the business behind it.
Free Borrower Resource
Download the Financing Guide
Preparing for a commercial real estate loan starts with understanding what a lender will evaluate. Our complimentary guide brings together First National’s published program parameters, six-step loan process, due diligence requirements and key considerations across property types, including hotels, senior housing, golf courses, marinas, office, healthcare and retail.
It also includes a master document checklist to help you organize the information typically needed and arrive at your first financing conversation better prepared.
The First step to success
Specialized Commercial Real Estate Financing
Some properties require a lender who understands both the real estate and the business operating within it.
Hotels & Resorts →
Financing that considers occupancy, operating performance, management, franchise relationships and property improvement requirements.
Golf Courses & Private Clubs →
Financing for golf courses and private clubs, considering membership levels, rounds played, food and beverage revenue and the underlying real estate.
Marinas →
Financing for wet-slip and dry-stack marinas, with attention to slip occupancy, boat storage and related revenue-producing operations.
Assisted Living & Senior Housing →
Evaluation of qualified senior-care properties, considering occupancy, management, financial performance and the underlying real estate.
Selected Transactions
Explore examples of First National financing across commercial property types and loan purposes.
$13,975,000
Renaissance Country Club
$22,700,000
Moda Developers
$4,300,000
Via Vita
How the Loan Process Works
Work directly with the lending institution evaluating your transaction, making the credit decision and servicing your loan.
01
Discuss Your Transaction
Speak with a First National banker about your property, financing objective and requested loan.
02
Preliminary Review
Our team reviews the proposed transaction and lending parameters to determine whether it may fit First National’s requirements.
03
Due Diligence & Underwriting
Qualified transactions proceed through information gathering, financial analysis, property review and detailed underwriting.
04
Credit Approval & Closing
Transactions that receive credit approval move toward closing, subject to completion of required documentation and closing conditions.
Insights
40+ Years of Experience
Commercial Real Estate Lending: The Outlook Through Year-End 2026
Download the Article Commercial real estate financing remains available across the United States, but lenders are increasingly distinguishing between properties with durable cash flow and
The Refinancing Gap
Why the loan you need and the loan the property supports may be different Refinancing Is a New Lending Decision For many commercial real estate
The Rate Increase Is Now a Reality
What Happens Next for Commercial Real Estate? Forty-eight hours ago, First National Insights examined the likely effect of an anticipated 25-basis-point increase in the Federal
Artificial Intelligence and the Future of Commercial Real Estate
How AI May Reshape Commercial Real Estate, Lending and Property Operations Artificial intelligence is rapidly becoming an important economic force, affecting banking, commercial real estate,