Commercial real estate loans are a key decision for business owners and executives across Maryland and Pennsylvania. If you own a company or enterprise of any kind, location is crucial. Your real estate choices can help you project a professional image, give your team a space to work, and provide you with the features you need to bring your service or product to the market.
Commercial real estate loans are also one of the biggest expenses for many businesses. The costs of these commercial loans are a long-term commitment and add to overhead costs for some time. As such, it’s crucial that you do your research and take your time to find the best commercial real estate loan rates and lending services. That’s why PeoplesBank is here to help Maryland and Pennsylvania business owners find the right financing options for them to reach their business goals.
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“Of all the folks we talked to, PeoplesBank was the only one who took the time to understand what we were trying to do. Realizing and believing in the vision is what makes this a true partnership.” - Nimesh Shah, Hotel Rock Lititz
We started in York County, Pennsylvania and have since extended our business options to multiple counties in Maryland and Pennsylvania. Businesses across the region turn to us for commercial real estate loan services because we offer the old-fashioned kind of support that includes listening and offering friendly assistance to businesses. After all, PeoplesBank has been offering financial services and mortgages to businesses at competitive rates for decades.
No matter what industry you’re in or what your professional goals may be, our loan officers can work with you to help you find commercial real estate financing solutions that make sense. Capitalize on the experience of our professionals to not only see, but truly understand the commercial real estate industry for business owners. We offer a wide range of loan products to help finance a variety of business needs.
When you work with us, you can further your achievements with specialized guidance. A new location can help you meet your short- and long-term business goals. Commercial warehouse financing can upgrade your logistics operations to push your business into new territories. Finding low commercial land loan rates could allow you to expand your business sooner than you expected.
When it comes to commercial real estate lending in Pennsylvania and Maryland, we succeed when you succeed. You can feel confident in our commitment to you, just like we’ve committed to business owners all around our service area.
Working with us for commercial real estate loans brings many benefits. You want your business to grow, and we can help it thrive by connecting you with solutions that fit your needs. Our business banking professionals can work with you to determine the best approaches and find optimal commercial mortgage rates in Pennsylvania or Maryland.
We are all part of the same community, and we care about your success. Our assistance pushes businesses like yours to achieve milestones such as expanding to a bigger location or lowering your monthly payments so you can funnel money into expansion. We have a few popular loan types that our clients enjoy, and we’ll be happy to provide a thorough review of the features and benefits.
Without the proper loan knowledge, many businesses enter into loans that eventually get them stuck in financial challenges. At PeoplesBank, we won’t move forward with your commercial real estate loan until we’ve answered any questions you have to your satisfaction.
Living in the space you are purchasing for your business constitutes owner-occupied commercial real estate. Imagine a condominium building where you also live, an apartment on the top floor of a store or a duplex where you run your business out of one side and live in the other. These are examples of owner-occupied commercial real estate. We can find loan products geared toward this type of purchase, and we can point out ways you can use your loan to improve your business location.
Non-owner occupied commercial real estate refers to a property you don’t plan to use for a personal residence. These properties might include:
Multi-family real estate refers to any property occupied by more than one family. Unlike a condominium, where you can purchase one unit in a building, multi-family buildings have a single owner. Such an investment can diversify your portfolio and raise your income levels with a low investment.
Other residential real estate projects we facilitate include single-family spec and presold homes. Spec homes get their name because they’re built “on speculation.” In other words, they’re designed and constructed based on current market trends without a particular buyer in mind. Think of those so-called “cookie-cutter” neighborhoods, where all the homes have similar sizes and architecture — those are the most common forms of spec homes.
Presold homes, on the other hand, are the opposite. When someone wants to build their dream home from the bottom up, they’ll make a plan and share it with a builder or investor. Then, they’ll invest in a plot of land where the home can be built. One of the main benefits of presold homes over spec homes is that presold homes are sure to start making back money almost immediately, as someone is planning on moving in as soon as construction is complete.
Whether your business is looking to invest in multi-family estates or single-family homes, PeoplesBank can help guide you to the right financing options.
If your business is a supplier, manufacturing or shipping company, you need a property with a lot of room for your operations, and you’ll likely want the option of buying the surrounding space for future expansions. South Central Pennsylvania and Northern Maryland are excellent places to find the kind of property you need. We’ll talk you through things like commercial mortgage rates and payment plans so you can get back to work with minimal interruptions.
Construction loans generally finance shorter-term projects, and any business that wants to improve or construct on a property can apply for one. They can be used to purchase land and provide some flexibility for borrowers. You’ll be able to break ground and start building as soon as possible, using the profits you make from your addition to help cover the construction. We can help you find the best loan rates on commercial construction loans.
Contact Kent Ketterman for more information on our commercial real estate services. We're ready to help you build your business better.
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