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Office Building Mortgage Financing

Customized commercial mortgages for Class A, B, and C office buildings. From professional practices to large-scale multi-tenant towers, we fund office assets across North America.

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1

Initial Review

Submit your rent roll and lease summaries

2

Lender Match

We find the best office lender for your asset

3

Closing

Navigate escrow and fund your financing

Why Choose Us

Navigating the Evolving Office Market

The office market is changing. We work with lenders who understand remote-work trends, tenant retention strategies, and the value of medical/professional office space.

50+
Lender Partners
65-75%
Typical LTV
1.25x
Min. DSCR
5-25yr
Term Lengths

Class A, B, & C Properties

From premium downtown towers to suburban office parks, we provide financing solutions tailored to the specific risk profile and tenant mix of your office asset.

Multi-Tenant Risk Analysis

We analyze lease rolls and tenant quality to find lenders who understand multi-tenant dynamics and can offer competitive terms based on stabilized cash flow.

Medical & Professional Office

Specialized lending programs for medical offices and professional services buildings, often qualifying for better rates due to tenant stability.

Owner-Occupied Solutions

If you're buying an office for your own business, we offer high-leverage programs that allow you to build equity instead of paying rent.

Tenant Improvement Capital

Need funds to build out space for a new tenant? We structure loans that include TI and leasing commission (LC) reserves to keep your building competitive.

Stabilization Bridge Loans

For properties with temporary high vacancy, our bridge programs provide the capital needed to carry the building through lease-up to permanent financing.

Ready to finance your office building?

Let's discuss your deal and find the right financing solution.

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Loan Programs

Office Financing Solutions

We provide a full range of lending products to meet the needs of office property owners and owner-occupants.

Purchase

Competitive acquisition financing across all building classes, from downtown Class A to suburban professional centers. We structure financing based on tenant quality and cash flow potential.

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What's Included

  • Class A, B, and C building financing
  • Single-tenant and multi-tenant properties
  • Medical office specialists
  • Suburban and downtown locations
  • Competitive rates for stabilized buildings

Refinance

Rate reduction, amortization extension, or equity extraction for stabilized buildings and even properties with higher vacancy. Access your equity for new acquisitions or improvements.

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What's Included

  • Rate and term refinancing
  • Cash-out for new acquisitions
  • Options for higher-vacancy properties
  • Amortization extension
  • Debt consolidation

Bridge

Short-term financing during tenant transitions, lease-up periods, or improvement phases. Bridge financing provides flexibility when you need to act quickly or stabilize a property.

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What's Included

  • Tenant transition financing
  • Lease-up period support
  • Quick closing for opportunities
  • Interest-only options
  • Clear path to permanent debt

Value-Add

Funding for tenant improvements, building upgrades, and repositioning strategies. Transform your office property to attract higher-quality tenants and command better rents.

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What's Included

  • Tenant improvement financing
  • Building modernization
  • Amenity additions
  • Energy efficiency upgrades
  • Repositioning strategies

Development

Ground-up construction financing and major renovation project support. Build new office properties or undertake substantial renovations to transform existing buildings.

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What's Included

  • New construction financing
  • Major renovation projects
  • Flexible draw schedules
  • Construction-to-permanent options
  • Pre-leasing support

Permanent

Long-term mortgages for stabilized, income-producing office buildings. Lock in competitive rates with terms that match your investment horizon.

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What's Included

  • Competitive long-term rates
  • Terms from 5-25 years
  • Fixed and adjustable options
  • Non-recourse available
  • Best rates for Class A properties

Portfolio

Blanket loans consolidating multiple office properties under one mortgage. Simplify management and potentially improve terms as you scale your portfolio.

Discuss this financing option

What's Included

  • Single loan for multiple properties
  • Simplified portfolio management
  • Release provisions available
  • Cross-collateralization benefits
  • Scale your office portfolio

Sale-Leaseback

Sale-leaseback arrangements allow you to unlock capital tied up in your office building while leasing the space back for continued operations. Free up capital for business growth.

Discuss this financing option

What's Included

  • Unlock real estate equity
  • Continue occupying your space
  • Predictable lease payments
  • Off-balance sheet treatment
  • Capital for business growth

Mezzanine

Secondary financing layered behind primary mortgages to maximize leverage. Fill the gap between senior debt and your equity contribution for larger acquisitions.

Discuss this financing option

What's Included

  • Gap financing solutions
  • Maximize total leverage
  • Reduce equity requirements
  • Flexible subordination terms
  • Larger deal capability
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FAQ

Questions About Office Financing Solutions

Everything you need to know about office financing solutions.

Office Lending Basics

Office lending is more selective today. Lenders prioritize well-located buildings with strong tenant diversification, long lease terms, and modern amenities. Medical office remains highly favored due to its essential nature and high tenant retention rates.
Most lenders look for a minimum DSCR of 1.25x to 1.35x. Single-tenant properties with investment-grade tenants may qualify for lower ratios, while multi-tenant buildings with shorter lease terms may require higher coverage.
Class A buildings are premium assets in prime locations with high-end finishes and modern amenities. Class B are older but well-maintained, often in suburban locations. Class C are older buildings in less desirable areas that may need significant renovation. We finance all three classes based on the business case.
Lenders now look closely at "flight to quality"—the move toward Class A buildings with better amenities. We work with lenders who understand how to underwrite stabilized office assets in this evolving environment, focusing on weighted average lease expiry (WALE) and tenant credit.

Loan Programs & Structure

Yes, medical office building (MOB) financing is one of our specialties. Lenders view medical tenants very favorably due to high relocation costs and stable demand, often resulting in more competitive interest rates and higher LTVs.
A sale-leaseback is where a business owner sells their office building to an investor and immediately signs a long-term lease to stay in the space. This unlocks trapped equity for business growth while maintaining operational control.
Many of our programs include TI/LC (Tenant Improvement and Leasing Commission) reserves. This allows you to draw funds to build out space for new tenants or renew existing ones without stressing your cash flow.

Owner-Occupied

Yes, through certain small business programs (like SBA in the U.S. or BDC in Canada), owner-occupants can often secure up to 90% financing, which is much higher than typical investment LTVs.
Typically, most owner-occupied programs require the business owner to occupy 51% or more of the total square footage. This allows you to build equity while having other tenants help pay down your mortgage.
Buying allows you to build equity, benefit from appreciation, and enjoy tax deductions for interest and depreciation. Most importantly, it protects your business from future rent increases and landlord decisions.

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