Commercial Real Estate | Bav Malhi

Commercial Real Estate Financing

Commercial real estate financing made simple. Bav Malhi, a seasoned Mortgage Agent with Mortgage Alliance, helps investors and developers access tailored commercial real estate loans and structured commercial mortgage solutions. From acquisitions to refinancing, he simplifies commercial lending so you can secure your next property with confidence.

CRE Financing with Bav Malhi

Bav Malhi, Mortgage Broker Agent Level 1 with Mortgage Alliance, is your trusted partner in commercial financing. Backed by over 10 years of experience in commercial banking and lending, Bav has consistently helped clients secure tailored financing solutions aligned with their unique investment goals.

Whether you're acquiring your first commercial property or expanding a seasoned portfolio, Bav brings rich industry knowledge, practical insight, and a powerful lender network to help you navigate the complexities of commercial real estate financing with confidence.

Bav Malhi

Mortgage Broker Agent Level 1

License# M18000942

FSRA# 10530

bmalhi@mortgagealliance.com

(416) 568-2704

Our Commercial Real Estate Financing Services

Term

With our term loan options, each payment covers both principal and interest, steadily chipping away at the loan balance over the designated amortization period. This ensures that by the end of the term, the loan is fully repaid.

Refinancing

Unlock the potential of your property's equity with commercial mortgage refinancing, giving you the flexibility to leverage cash for your specific needs and aspirations.

Equity Takeouts

A strategic solution for commercial real estate owners. Whether your property is fully paid off or partially paid off, our refinancing options allow you to leverage the equity in your property to access capital for a variety of purposes. Whether it's expanding your business, funding renovations, or seizing new opportunities, our refinancing services provide the financial flexibility you need to achieve your goals.

Graphic collage of commercial real estate buildings

Land & Construction

We provide numerous land financing options for both zoned and unzoned parcels of land. A variety of terms are available for land loans which may include interest reserves or interest only mortgage payments. Construction Financing on land sites is also arranged, for purpose built, infill, conversion, and inventory loans.

Portfolio

Commercial real estate mortgages tailored to finance diverse portfolios across various asset classes. Our financing solutions are designed to empower investors and property owners to maximize their potential across a range of real estate sectors.

Bridge

Our bridge loans offer a short-term solution, providing immediate cash flow to meet current obligations until permanent financing is secured or existing obligations are fulfilled. Backed by collateral such as real estate or business inventory, our bridge loans ensure rapid access to funds, enabling you to navigate transitions with confidence and ease.

Interest-Only

Our interest-only loan option allows you to pay only the interest for a set period, as outlined in your agreement. After this period, your loan transitions to a traditional amortizing structure, with payments covering both interest and principal. This ensures steady progress towards full repayment.

Non-Recourse

We specialize in non-recourse commercial mortgages, offering financing where the lender's repayment is solely secured by the property itself, protecting borrowers' other assets. Choosing a non-recourse loan with us ensures peace of mind and financial security, allowing you to pursue your commercial real estate goals without putting your personal assets at risk.

Inventory

We secure financing against newly completed vacant properties, including residential condominiums, single-family dwellings, and commercial units. This unlocks capital tied up in idle properties, providing valuable cash for strategic use.

Renovation

Our commercial renovation loan offering encompasses comprehensive coverage for all aspects of revitalizing, renovating, or refurbishing your existing commercial property.

Frequently Asked Questions

What is a Commercial Real Estate Loan mortgage?

A commercial real estate (CRE) mortgage is a loan used to purchase or refinance income-generating properties like offices, warehouses, or retail units. These loans are structured based on property cash flow, borrower profile, and asset value.

What does CRE mean in lending?

CRE stands for Commercial Real Estate, referring to loans secured against business-purpose properties. It includes asset classes like industrial, office, land, multi-residential, retail, and others.

What are the benefits of Commercial Real Estate loans?

CRE loans allow businesses and investors to leverage real estate for long-term capital growth and cash flow. With the right terms, they offer tax benefits, asset appreciation, and equity building.

How to apply for Commercial Real Estate Loans?

You can apply through a licensed mortgage broker like Bav Malhi at Mortgage Alliance, who will structure the deal and source lenders tailored to your project. Required documents include financials, appraisal, rent rolls, and business background.

What is the LTV of a CRE loan?

Loan-to-Value (LTV) typically ranges from 60% to 80% depending on asset type, borrower strength, and lender criteria. Lower LTVs often unlock better rates and faster approvals.

What is the cap rate in CRE valuation?

The capitalization rate (cap rate) measures a property's net operating income (NOI) as a percentage of its purchase price or value. It helps assess potential return and compare deals.

What is CRE return?

CRE return includes both the cash flow generated by the property and the potential for appreciation. Investors use metrics like cap rate, IRR, and ROI to evaluate returns.