Commercial Mortgages

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Commercial Mortgages in Miami

Miami is one of the most dynamic commercial real estate markets in the country. From bustling retail corridors to thriving office spaces and industrial warehouses, opportunities are everywhere—but securing the right financing is key. At City Commercial Mortgage, we specialize in helping business owners and investors obtain commercial mortgages in Miami, tailored to fit both short-term needs and long-term goals.

Why Miami Businesses Choose Commercial Mortgages

Owning commercial property in Miami isn’t just about having a place to run your business—it’s an investment in one of the fastest-growing economies in the U.S. Whether you’re a small business owner looking to purchase a storefront, or a developer financing a large project, the right mortgage makes all the difference.

With a Miami commercial mortgage, you can:

  • Buy property for your business or investment portfolio.
  • Refinance existing loans to lower your payments or free up cash.
  • Expand your business footprint into new neighborhoods.
  • Build or renovate properties to attract more customers or tenants.
  • Stabilize cash flow with predictable monthly payments.

Our Commercial Mortgage Options

We know that no two businesses are alike. That’s why we offer a wide range of mortgage programs designed to meet your specific needs.


1. Traditional Commercial Mortgages

Long-term financing for retail, office, industrial, or mixed-use properties.


2. SBA & FHA Loans

Government-backed options with competitive rates and lower down payments for qualifying businesses.


3. Bridge Loans

Short-term financing to help you act fast in Miami’s competitive market while waiting for permanent financing.


4. Owner-Occupied Property Loans

Tailored for business owners purchasing a space to operate their company.


5. Investor Mortgages

Financing for multi-unit, rental, or commercial investment properties.

Why Work With City Commercial Mortgage

Choosing the right lender is just as important as choosing the right property. Here’s why Miami businesses partner with us:

  • Local Expertise: We know the Miami market—what neighborhoods are trending, which lenders are active, and how to structure loans that fit.
  • Flexible Solutions: From small auto shops to large developments, we create financing solutions for every type of business.
  • Fast Approvals: Miami’s market moves quickly. We keep the process smooth so you don’t miss opportunities.
  • Personalized Service: We take time to understand your business and goals, offering one-on-one guidance.
  • Long-Term Partnership: Many of our clients return to us again and again as their businesses grow.

Commercial Mortgage Opportunities in Miami

Miami is a city of neighborhoods, each offering unique opportunities for businesses and investors:

  • Brickell & Downtown: Ideal for office towers, retail, and mixed-use developments.
  • Wynwood & Midtown: Perfect for creative spaces, galleries, and boutique businesses.
  • Coral Gables: Strong demand for professional offices and high-end retail.
  • Doral & Airport West: Known for industrial warehouses and logistics centers.
  • Little Havana & Hialeah: Great for local shops, restaurants, and service businesses.
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Wherever you’re looking, we can help secure financing tailored to the area and property type.

FAQs About Miami Commercial Mortgages

  • What’s the typical down payment for a commercial mortgage?

    It depends on the program, but many range from 10–25%. SBA and FHA options may require less.

  • How long does approval take?

    Traditional mortgages may take 30–60 days, but we also offer bridge loans for faster funding.

  • Can startups qualify for a commercial mortgage?

    Yes—if you have a solid business plan, credit, and collateral, we’ll work to find the right program.

  • What properties qualify?

    Retail, office, industrial, multi-family, and more. We’ll review your property type and match it to the best loan option.

How We Support Miami Businesses

At City Commercial Mortgage, we’re more than a lender—we’re part of Miami’s business community. We’ve helped local entrepreneurs:

  • Buy their first retail location in Coral Gables.
  • Expand an auto shop from Wynwood into Kendall.
  • Refinance industrial warehouses near the airport.
  • Secure bridge loans to seize investment opportunities in Brickell.
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Every success story starts with the right financing—and we’re here to make it happen.

Get Started With Your Miami Commercial Mortgage

If you’re ready to invest in Miami’s future, we’re ready to help. Our team will walk you through the process step by step, answer your questions, and tailor a solution that works for you.


📞 Call us today to learn more about Miami commercial mortgages.
📧 Or fill out our simple online form and we’ll be in touch within 24 hours.

At City Commercial Mortgage, we don’t just finance property—we help businesses grow, one loan at a time.