We price commercial loans based on the property type and loan program desired.

Preference is typically given to multi-use properties such as:

  • Office Space
  • Retail Buildings
  • Medical Offices
  • Light-Industrial Business

Semi-Generic properties are generally priced approximately 50 bps higher than multi-use properties and may include the following property types:

  • Schools
  • Day Cares
  • Funeral Homes
  • Auto Services

The least-favorable pricing options are given to special purpose properties. These are generally priced 25 bps higher than semi-generic facilities and include:

  • Restaurants
  • Car Washes
  • Self-Storage Facilities
  • Limited Use Properties

SBA 504 loans are priced using a weighted average calculation which combines the SBA debenture rate and the interest rate on the commercial loan .The rate, quoted as an “All-In Rate”, may be higher or lower than our conventional product depending on the interest rate of the SBA debenture.

For specific pricing on your property type please visit:
Ysploans FullDoc RateSheet pdf