Commercial Real Estate Loansin Raleigh

Owner-occupied & investor CRE across the Triangle

SBA 504, conventional and bridge financing for owner-occupied office, retail and industrial real estate from Downtown Raleigh out through Cary, Apex, Wake Forest and the RTP perimeter.

SBA 504 at 10% down
Up to 25-year amortization
Bridge-to-perm structures

$500K-$25M

Apply Now (919) 551-9577

Soft credit pull only 24-hour decisions NC-licensed partners

Program Memo

Commercial Real Estate Loans for Raleigh businesses

Commercial real estate financing in Raleigh splits into owner-occupied (SBA 504 and 7(a) territory) and investor deals (conventional CRE, life-co debt, and CMBS for larger assets). Owner-users buying their own building in North Hills, Brier Creek or off Capital Boulevard typically lead with SBA 504 - 10% down, long-term fixed rate on the SBA portion, and total monthly cost that often beats market rent.

Investor deals are different. Stabilized multifamily near NC State and Downtown Raleigh, flex/industrial along I-40 and US-1, and medical office near WakeMed and Duke Health each have their own preferred lender pools. LTV tops around 75-80% on conventional, with debt-service coverage and sponsor experience driving terms more than headline rate.

Quincy routes by asset class, sponsor profile and hold period. A first-time owner-user buying a 6,000 sq ft Cary office condo is a different lender match than a sponsor stabilizing a 40-unit Wake Forest multifamily. We model SBA, conventional and bridge-to-perm side by side before recommending.

Every Quincy Lenders application runs through NC-licensed lending partners - one soft credit pull, side-by-side offers, no fee until close.

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