Commercial Real Estate Financing Designed for Business Success

Planning to purchase, refinance, or upgrade commercial property? Abudance Payments connects business owners and investors with commercial real estate loan solutions built to support long-term growth across a wide range of industries. With flexible repayment options, strong loan-to-value ratios, and funding available up to $50 million, we help you act quickly on opportunities that move your business forward.

Program Snapshot

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Loan Amounts

$200K – $50M

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Loan Term

1 – 30 years (fixed and interest-only options available)

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Loan to Value

Up to 80%

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Interest Rates

Competitive market rates!

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Funding Timeline

Can close in as little as 2–3 weeks

Why Choose Iron Oak Payments for CRE Loans? 

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Funding for Investors or Owner-Occupiers

We finance retail, office, industrial, warehouse, mixed-use, and more, whether you're using it or leasing it. 

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No DSCR?

No Problem.

We offer no-DSCR options for smaller loan amounts, especially under $750K.

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Flexible Credit Requirements

We work with borrowers as low as 600 FICO and can consider complex financials or unique deal structures.

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Foreign Nationals & High-Risk Industries Welcome

We support deals others avoid, including cannabis-related properties and borrowers without U.S. citizenship. 

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Blanket Loans Available

Need to cross-collateralize or create a portfolio loan? We can do that, too. 

  • Property purchases
  • Fix & flips
  • Refinance or debt consolidation
  • Ground-up construction
  • Real estate lines of credit
  • Hotel, condo, and mixed-use projects
  • Quick closings on distressed or vacant properties
  • Chapter 11 exits
  • And more…

Use Cases for Commercial Real Estate Loans

  • Residential investment properties
  • Commercial and industrial buildings
  • Multifamily units
  • Condominiums and hotels
  • Office space
  • Vacant land and mixed-use
  • Single-tenant and multi-tenant spaces

Eligible Property Types

Documents You'll Need to Apply

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Basic commercial real estate application & questionnaire

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Personal financial statement (for all 20%+ owners)

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Rent roll and income/expense sheet (for investment properties)

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Appraisal (or broker opinion of value, if available)

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Purchase contract or payoff statement (if refinancing)

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Valid government-issued ID

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Entity docs (LLC, S-corp, etc.)

Ready To Go? Apply Now!

Complete our secure online application to explore fast and flexible funding options for your business.

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