Commercial Loans in Charlotte - Finance Your Business Growth with Flexible Loan Options
What is a Commercial Loan?
A commercial loan is a type of business financing used to fund major expenses like purchasing real estate, expanding operations, buying equipment, or covering working capital needs. Unlike personal loans, commercial loans are designed specifically for businesses and are often secured by business assets or property. At On Point Home Loans in Charlotte, we specialize in flexible, fast, and competitive commercial loan solutions tailored to the needs of local entrepreneurs, real estate investors, and growing companies. Whether you’re seeking a commercial real estate loan, an SBA loan, or a short-term business loan, our team helps you navigate the process with ease.
Is a Commercial Loan Right for You?
• You’re exploring SBA loans or alternative financing
• You want flexible terms and fast funding options
• You’re launching or acquiring a new business
• You’re expanding, renovating, or upgrading equipment
• You need working capital to grow your business
• You’re buying or refinancing commercial real estate
Pros and Cons of Commercial Loans
- Access to large amounts of capital
- Can fund real estate, equipment, or expansion
- Builds business credit history
- Tax-deductible interest in many cases
- Flexible loan types and terms available
- Helps maintain business cash flow
- Requires strong credit and financials
- May involve collateral or personal guarantee
- Longer approval process for some lenders
- Variable interest rates can increase costs
- Strict eligibility requirements
- Missed payments can affect business credit
Why Choose On Point Home Loans for Your Commercial Loan?
Local Expertise. Personalized Service. Proven Results.
Charlotte-Based Commercial Loan Experts
We know the local market inside and out - giving your business the regional insights and lender relationships it needs to succeed.
Personalized Lending Solutions
We tailor each loan to your business goals - whether you're expanding, refinancing, or investing in property.
Fast, Transparent Approvals
Our streamlined process helps you move quickly, with clear communication every step of the way.
Access to a Wide Range of Loan Products
From SBA and bridge loans to equipment and real estate financing, we connect you with the right fit.
Hands-On Support from Start to Funding
You’re not just a number - we guide you through documents, terms, and next steps with expert care.
Trusted by Charlotte Businesses
With a growing base of satisfied local clients, we’re known for reliability, results, and relationship-first service.
Commercial Loans Up to $5M - Fund Real Estate, Equipment, or Business Growth
Flexible, business-focused financing solutions tailored to Charlotte entrepreneurs and investors
• Secure funding up to $5 million for large-scale business or real estate projects.
• Choose from commercial real estate loans, SBA loans, working capital, and more.
• Local knowledge gives your loan application a strategic edge.
Frequently Asked Questions About Commercial Loans
A commercial loan is a type of business financing used to purchase property, equipment, or fund business growth. These loans are typically repaid over time with interest and can be secured by business assets or real estate.
Most commercial loan applicants need a registered business, solid credit history, proof of revenue, and a business plan. On Point Home Loans helps Charlotte businesses understand their eligibility and prepare strong loan applications.
Loan amounts typically range from $50,000 to $5 million or more, depending on the lender, loan type, and the financial strength of your business.
We offer a variety of options, including commercial real estate loans, SBA 7(a) and 504 loans, equipment financing, bridge loans, and working capital loans – all tailored to your needs.
Approval times can vary from a few days to several weeks. At On Point Home Loans, we streamline the process to get your funding as quickly as possible, especially for time-sensitive real estate deals.
Both fixed and variable interest rates are available, depending on the loan type. We’ll help you choose the most cost-effective option for your financial goals.
