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Georgia Commercial Real Estate Loans and Financing Options From Georgia-Based Community Banks.


Commercial loans are complex. We can help!

We can help you determine the best community banking partner for any of your commercial real estate financing needs.


Commercial mortgages are structured to meet the needs of the borrower and the lender.

Key areas of consideration:

  • Loan amount (sometimes referred to as "loan proceeds"),
  • Interest rate
  • Term (sometimes referred to as the "maturity")
  • Amortization schedule
  • Prepayment flexibility or "Early payoff"

Commercial mortgages are generally subject to extensive underwriting and due diligence prior to closing. The lender's underwriting process may include a financial review of the property and the property owner (or "sponsor"), as well as commissioning and review of various third-party reports, such as an appraisal and environmental inspections reports.

GSBL.org deals with many deals every year and our community banking network is happy to answer any questions that you may have. We will connect you with the appropriate Georgia-based community bank to help satisfy your borrowing needs. All free of charge.

Here are a few more areas of focus before approaching a capital partner:

  • Borrowing entity? Will you need to form a separate LLC to own the property?
  • Recourse options
  • Loan structure
  • Rates: fixed, floating, swap, etc.
  • Loan covenants and reserves
  • Underwriting criteria
  • Time frames
  • Due diligence requirements


Commercial property loan

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