Top 5 Questions People Ask When Getting a Commercial Mortgage

When people search online for commercial mortgage solutions, they’re often hit with more questions than answers. Whether it’s "how to qualify for a commercial real estate loan" or "where to find private commercial lenders", we’re here to help you cut through the noise and find financing that fits.

Here are the top 5 trending questions clients ask — and how Sherwood Mortgage Group delivers real solutions, fast.

1. What types of commercial properties do you finance?

We fund a wide range of commercial property types, including:

• Mixed-use buildings

• Retail plazas

• Industrial warehouses and condos

• Owner-occupied and non-owner occupied commercial spaces

• Construction-to-permanent commercial loans

• Hospitality - Hotels, Motels, and Resorts - Branded & Independent

• Multi-Family Residential - 5+ units.

• Land Loans

• Development, and Construction Financing for Builder/Developers

Our team also specializes in commercial real estate investment loans and commercial loans for self-employed borrowers who may not fit inside the box of traditional lenders.

What sets us apart is our access to private commercial mortgage lenders and alternative commercial lending solutions — perfect for non-conforming deals or borrowers who’ve been turned down by a bank. If you’re searching for how to finance a commercial building, we have options that work in real life — not just on paper.

2. What makes your process different from other commercial mortgage brokers?

Traditional commercial mortgage brokers often work at a slower pace, with limited communication. At Sherwood, we take a client-first approach to commercial lending that emphasizes:

• Fast approvals

• Transparent underwriting processes

• Proactive updates and personal service

We bridge the best of both worlds — the efficiency of residential lending with the flexibility and structure of institutional commercial lending. If you’re searching for the best commercial mortgage brokers in Canada or how to apply for a commercial loan quickly, you’ve found the right partner.

3. How do you help first-time commercial borrowers feel confident?

For many clients, this is their first step into commercial real estate financing, and that comes with a lot of questions. We walk you through the entire process, from understanding your loan-to-value ratio (LTV) to explaining how your debt service coverage ratio (DSCR) will impact approval.

With a network of over 50 lenders, we ensure clients are receiving the best commercial mortgage for their needs. We focus on details such as:

• Rates (fixed or variable)

• Fees

• Prepayment terms

• Repayment structure (including interest-only commercial loans)

So, if you want to know what a DSCR mortgage is or how much down payment is needed for a commercial loan, we’re already two steps ahead, walking you through what matters most — with clear, tailored advice.

4. What if I’ve been turned down by a bank — do I still have options?

Yes — and sometimes better ones. Many of our clients come to us after being declined by traditional institutions. Banks often have rigid requirements, especially with commercial financing, but we work with non-bank commercial lenders, equity-based mortgage providers, and private investors for commercial real estate loans. These lenders are more flexible when it comes to:

• New businesses or startups

• Properties with no current income

• Borrowers with unique income structures

For example, we recently placed a startup industrial condo developer with a non-bank lender, securing a $4M commercial loan using a creative pre-sale financing structure — the kind of products traditional lenders may not consider.

5. How flexible are your lending solutions — can you adapt to complex situations?

We specialize in custom solutions for clients who need flexible commercial mortgages, such as:

• Bridge loan financing for commercial property

• Short-term interest-only loans

• Commercial property repositioning strategies

• Blanket commercial mortgages

Take, for instance, the client who needed funding to acquire a vacant retail plaza. Most lenders said no. We secured bridge financing with interest-only payments, a 12-month term, and an extension option. That gave them time to lease up the space, stabilize the asset, and refinance into a lower-rate term 10 months later.

Thinking about a commercial mortgage?

Whether you’re comparing commercial mortgage rates in Canada, looking for a private commercial loan, or need help navigating your first commercial property investment, Sherwood Mortgage Group is here to help.

Let’s talk. We make commercial lending strategic, flexible, and just a little easier than you expected. Click Here for more information and contact us today.